PENNSYLVANIA · NAICS 721211
Pennsylvania RV park and campground projects cluster across the Pocono and Allegheny corridors, within a half-day drive of a quarter of the U.S. population. Studies translate site mix, amenities, rate by season, and absorption into projections, and reconcile zoning, septic, and environmental conditions against the build plan.
FEASIBILITY TRIGGER
RV parks and campgrounds are special-purpose under SOP 50 10 8, so a third-party feasibility study is normally required and elevated equity applies.
Between FY2010 and FY2026, SBA lenders approved and disbursed 21 7(a) and 504 loans for RV park projects in Pennsylvania, totaling $18.9 million in approved financing at an average of $900,000 per loan. Pennsylvania ranks #15 of 38 states tracked for RV park SBA lending volume and accounts for 1.7% of national RV park SBA dollar volume. 76.2% of these loans were made under the 7(a) program, the remainder under 504. 3 loans have been approved since FY2024.
| Disbursed loans (FY2010–FY2026) | 21 |
| Approved volume | $18.9 million |
| Average loan size | $900,000 |
| 7(a) share | 76.2% |
| Approvals since FY2024 | 3 |
| State rank by loan count | #15 of 38 |
The state-level seasoned cohort in this segment is below our publication threshold of 30 loans, so no state rate is shown. Nationally, seasoned RV park loans (approvals FY2010–FY2021) show an adverse-resolution rate of 3.2%, against 7.3% across all industries.
Source: SBA 7(a) and 504 FOIA loan-level data, as of March 31, 2026. Disbursed loans only. See data methodology.
An adverse-resolution rate of 3.2%, close to the national RV park benchmark of 3.2%, puts Pennsylvania deals in this class on ordinary SBA credit footing. Across 21 loans averaging $900,000, the underwriting question is deal-specific: a rigorous third-party feasibility study is where documented demand and stressed coverage decide the credit outcome.
Every Pennsylvania rv parks and campgrounds project we underwrite follows the same lender ready process: independent market analysis, site and technical review, and financial projections tested against SBA SOP 50 10 8 standards. Our SBA feasibility study consultants guide explains scope, timing, deliverables, and what lenders and CDCs expect in the report.
Pennsylvania projects most often pencil under SBA 504 because the 50/40/10 structure delivers up to 90 percent financing on owner-occupied real estate at a fixed debenture rate, and PIDA's low-interest second-mortgage loans stack directly behind the 504. SBA 7(a) covers acquisitions, working capital, and equipment, and from July 4, 2026 eligible borrowers can combine 7(a) and 504 for up to $10 million in total program credit.
The Pocono and Allegheny corridors carry compressed seasonal demand within a half-day drive of a quarter of the U.S. population.
For a national view of this asset class, see our RV park SBA feasibility overview, and read our related analysis in the RV park lending research on our blog. Lenders and CDCs can order an SBA RV park feasibility study tested against the transient-revenue rule.
Compare neighboring markets: Oregon, Rhode Island, Texas.
Public SBA and CDC program records, cited as program evidence
$8.5M total project cost through TMC Financing and PB Capital with 15 percent down
206-unit park on 40 acres, national program evidence
Bakersfield, Kern County, California
Fifteen-minute scoping call, written proposal inside one business day, firm fixed fee before you sign.
Book a MeetingOur SBA feasibility study consultants prepare RV park, campground and outdoor hospitality studies for lenders, CDCs and sponsors. See pricing, methodology or request a fixed fee quote.
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