SBA 7(a) RV Park Feasibility Study in Utah
What SBA's own loan files show about SBA 7(a) lending to rv park and campground projects in Utah, and what a feasibility study for an SBA 7(a) loan there has to test.
Utah RV park and campground lending in SBA's records
In Utah, SBA 7(a) approved 27 loans in the RV park and campground class. Across FY2017 to FY2026 in Utah that came to $46.4 million gross. Counting RV park and campground loans, Utah ranks 5 across states for RV park and campground under this program, and RV park and campground sits 20 of 39 among Utah classes. A median of $1.4 million is 1.64x of the national RV park and campground median under SBA 7(a), so Utah runs above the norm. For RV park and campground in Utah, the middle half spans $492,500 to $2.5 million, and franchise flags mark 11.1% of Utah RV park and campground loans.
Who holds the RV park and campground loans, and where
The largest named RV park and campground holder in Utah is America First Federal Credit Union: 6 loans worth $11.2 million. Holders in Utah are those SBA currently lists. The Utah RV park and campground county count starts with Washington at 5, Garfield at 4, Iron at 2, Millard at 2, San Juan at 2.
Timing of Utah approvals
The Utah RV park and campground calendar shows 2 loans ($2.6 million) in FY2019, then in Utah 4 in FY2020 ($5.6 million), and in Utah 3 in FY2021 ($4.7 million), 5 in FY2023 ($10.9 million) and 0 in FY2024 ($0) against Utah's peak of 5 in FY2023. FY2024 show no Utah RV park and campground approvals.
RV park and campground cancel and charge-off floors
Because Utah has so few RV park and campground approvals, the Utah cancellation rate for RV park and campground is withheld, not printed. The RV park and campground cohort funded in Utah is too small, so Utah holds no stable charge-off rate for RV park and campground loans in Utah funded FY2017 to FY2021; Utah withholds the rate, and Utah lenders should not read it as zero.
Utah RV parks: what a study has to test
Seasonality rules RV parks. An Utah study should show occupancy by month, rates for nightly, weekly and monthly sites, and the draw of nearby parks, trails and attractions. Utility hookups, roads and sewage handling dominate cost, so compare the build plan with loans centred on $1.4 million. Coverage must hold through the shoulder and winter months, and the appraiser will value the park on income earned across the full year.
Utah parks and campgrounds
A destination resort and a simple campground share one code, so Utah figures cannot separate them.
SBA 7(a) rv park and campground loans in Utah
| Loans approved, FY2017 to FY2026 | 27 |
|---|---|
| Gross dollars approved | $46.4 million |
| Median loan | $1.4 million |
| Middle half of loans, from | $492,500 |
| Middle half of loans, to | $2.5 million |
| Franchise share of loans | 11.1% |
| Rank among states for SBA 7(a) rv park and campground loans, by number of loans | 5 |
| Rank of rv park and campground among classes in Utah | 20 of 39 |
| Median loan against the national SBA 7(a) median for the class | 1.64x |
Cancellation and charge-off
| Cancelled after approval, FY2017 to FY2024 approvals (a floor) | not reported: fewer than 30 loans in the cohort |
|---|---|
| Charged off to date, FY2017 to FY2021 disbursed loans (a floor) | not reported: fewer than 30 loans in the cohort |
Both rates are floors. SBA withholds the status of open loans, so a loan counts as charged off only once SBA reports it; a rate needs at least 30 loans in its cohort and is otherwise not reported.
SBA 7(a) rv park and campground loans approved in Utah, by fiscal year
| Fiscal year | Loans | Dollars |
|---|---|---|
| FY2017 | 2 | $5.8 million |
| FY2018 | 2 | $4.2 million |
| FY2019 | 2 | $2.6 million |
| FY2020 | 4 | $5.6 million |
| FY2021 | 3 | $4.7 million |
| FY2022 | 4 | $6.8 million |
| FY2023 | 5 | $10.9 million |
| FY2024 | 0 | $0 |
| FY2025 | 4 | $3.4 million |
| FY2026 | 1 | $2.4 million |
Most active SBA lenders
| Lender | Loans | Dollars |
|---|---|---|
| America First Federal Credit Union | 6 | $11.2 million |
Where the loans are, by county
| County | Loans |
|---|---|
| WASHINGTON | 5 |
| GARFIELD | 4 |
| IRON | 2 |
| MILLARD | 2 |
| SAN JUAN | 2 |
| BOX ELDER | 1 |
| CARBON | 1 |
| DAGGETT | 1 |
| EMERY | 1 |
| GRAND | 1 |
One code for RV parks and campgrounds. Shared code: RV parks, RV resorts and campgrounds share 721211.
Source: U.S. Small Business Administration, 7(a) and 504 loan-level FOIA files (data.sba.gov), as of 2026-09-30; Loan Analytics loan-outcome cell SAP-UT-C03-7A.
Related feasibility study pages
- Utah feasibility study consultant
- Feasibility studies for rV park and campground projects
- SBA Feasibility Study for an RV Park: What the Lender Tests, and a Full Worked Engagement
- RV Park Feasibility Study in Utah
- SBA 7(a) RV Park Feasibility Study
- SBA feasibility study company
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