TEXAS · NAICS 721211
Texas RV parks and campgrounds span Hill Country destinations, Gulf Coast corridors, and growth-corridor markets along I-35 and I-10. Studies model nightly and seasonal rate structures, pad utilization, amenity revenue, and absorption for new development, then tie the projection to a defensible trade area with documented travel and tourism demand.
FEASIBILITY TRIGGER
RV parks are a special-purpose class under SOP 50 10 8, so a third-party feasibility study is normally required, with elevated equity applying when the project is special-purpose, a startup, or both.
Texas generated 139 SBA-disbursed RV park loans between FY2010 and FY2026, worth $204.7 million in approved 7(a) and 504 financing at an average of $1.5 million per deal. Ranked #1 of 38 states for RV park SBA volume, the state captures 18.6% of national RV park dollars. 74.1% of the loans ran through 7(a) with 504 covering the remainder; 19 approvals have posted since FY2024.
| Disbursed loans (FY2010–FY2026) | 139 |
| Approved volume | $204.7 million |
| Average loan size | $1.5 million |
| 7(a) share | 74.1% |
| Approvals since FY2024 | 19 |
| State rank by loan count | #1 of 38 |
Among the 103 seasoned loans in this segment (approvals FY2010–FY2021), 4.9% reached adverse resolution — purchased, liquidated, or charged off. The national benchmark for RV park is 3.2%, against 7.3% across all industries. That performance runs above the national benchmark for this asset class, which is a factor lenders weigh in their credit decision.
Source: SBA 7(a) and 504 FOIA loan-level data, as of March 31, 2026. Disbursed loans only. See data methodology.
A 4.9% adverse-resolution rate against the national RV park benchmark of 3.2% tells credit committees to scrutinize revenue projections and coverage assumptions closely on Texas deals in this class. A rigorous third-party feasibility study — built on documented demand, defensible pricing, and stressed coverage — carries meaningful weight in that underwriting conversation, particularly at an average loan size of $1.5 million across 139 loans.
Every Texas 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.
Texas projects often fit SBA 504 where owner-occupied real estate anchors the deal, with the 50/40/10 structure delivering up to 90 percent financing at a fixed debenture rate, while SBA 7(a) covers acquisitions, working capital, and equipment. From July 4, 2026 eligible borrowers can combine 7(a) and 504 for up to $10 million in total program credit, which matters for larger Texas Triangle and I-35 corridor projects.
Texas Hill Country and Gulf Coast destinations carry deep year-round RV demand, and named 504 evidence runs across the asset class.
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: Tennessee, Virginia, California.
Public SBA and CDC program records, cited as program evidence
SBA 504 acquisition through Capital CDC and Green Bank
Resort and RV park acquisition
New Braunfels, Comal County
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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