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This is a business-financing technique in which a buyer borrows from the campground seller instead of, or at times in addition to, a bank. It is sometimes referred to, or called owner financing, land contract or purchase-money mortgage.

A campground seller agrees to finance a portion of the sales price over a specified term at a specified interest rate. If the campground seller is doing seller financing on the entire amount, the buyer pays a down payment up front, to the seller directly, and continues to make payments according to the agreement with the seller.

$2,200,000 3155001

With easy access to a major Interstate highway, this newer park, built in 2008, is now well established with many seasonal guests. Features include paved roads, quality construction, a 7 acre lake and room to grow! The park has 70 full hookup sites, a main building, laundry and an equipment building. Guests enjoy the many activities and proximity to area sites and entertainment.


The 1/2 mile of frontage along a very popular river keeps the business hopping with guests canoeing, tubing, kayaking and fishing! This is the place to be during the warm summer months. After a day on the river the stories are great around the campfire. Nestled in a scenic valley along the river the park is on 29 acres and features 35 water and electric sites, 40 with no hookups and 25 cabins. Not only do guests enjoy the fun, but the Bald Eagles are a real treat to see.


In the gateway area to a very popular summer vacation region, this 45 acre property has 166 sites, including 31 full hookup sites and 57 water-and-electric sites. There are 6 rental units, including 4 cabins. There is also a tenting area available. This park has many amenities, including a heated pool, snack shop, pavilion, nature trails, and a large array of on-site recreational and fun activities. There is plenty to do at the park, and there is much to see and do in the surrounding recreational area. This franchised park is popular with guests who enjoy all the family friendly activities, and it also has a clientele that uses it as “home base” for their day trips to area attractions.

$729,000 425540

126 Acres with room to grow in an area that offers outdoor adventure. This park boasts about 20 acres of ponds and water fun. The park features 180 sites including 120 full hookup, metered sites, 60 water & electric plus one rental cabin. Roads weave around the lakes and campsites are grouped so that most have an excellent water view. Many seasonal guests make this a fun community during the summer months. Don’t wait long on this one!


Built with quality products and the convenience of guests in mind. Located just off a major highway, the area attracts travelers all seasons. Completed features include 30 sites, half are full hookup with 30/50/110 amps, other half are water and electric, bathhouse, store and laundry on 40 acres.

Why would an owner offer
seller financing on a campground?

Many potential buyers just don’t have the necessary capital or business lender resources to cash a seller completely out.

Even if they do, they might be reluctant for what they consider an untried new venture in unknown waters. When that buyer opens the doors to their lender of choice, they will find many hoops they need to go through and many personal documents they will need to supply. Of course they will reach into resources for the down payment the lender requires (20% to 30%) – and added to that will be extra costs – like document prep fees, etc. It is a common misconception in this industry for a seller to assume that if a buyer has a great credit score and the necessary down, it’s pretty much a “done deal.” Not so. The entire business will come under a magnifying glass as much, if not more, than the potential buyer. In order to sell a campground it will have to appraise at agreed sale price or more, or the lender will not open the vault. In the meantime, the seller are “mentally packing” with fingers and toes crossed, hoping the lender says “yes” many weeks after the application process is first started. With lenders experiencing recent losses from escalating housing foreclosures, they are very cautious about lending money right now. They’re requiring more i’s to dot and t’s to cross.

With seller financing a buyer and seller can “get creative” to each others advantage. The agreement can be “interest only” payments, for a part, or full duration of the time frame before a balloon payoff is due. If a buyer has intentions of investing in something to bring in needed revenue to support the business, the agreement can contain escalating payments each year for the duration of the agreement – even adjusted interest rates (starting lower, and each year increasing one half to one percent). The balloon term can be as few as 3 years before the balloon payment is due in full, or the loan can run the full course of years until the entire balance is paid off. This creativity often makes seller financing attractive to a buyer and seller.

If you desire to have any amount calculated in amortization forms, please do not hesitate to call. Our intent at PARKS AND PLACES is to insure you understand all the “doors” available to you toward the goal of buying or to sell a campground or to sell an rv park.

PARKS AND PLACES INC :: CALL 616.301.0765 - Email sales@parksandplaces.com
Florida Office :: 1090 Linkside Court, Apopka, FL 32712 - FAX 407.289.4067
Michigan Office :: 1734 Timberlane LN NE, Grand Rapids, MI 49505 - FAX 616.431.4140

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