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Banking on the Hi-Line

KOA Campground Loans

Independence Bank has specialized in campground lending since 2002. We have loaned more than $415 million to KOA owners and are currently the largest financier of KOA campgrounds in the US. We understand the business and want to be a part of your team. We will be by your side to celebrate your successes and navigate your challenges. Our team is dedicated to mutually beneficial outcomes that will make us all successful.


"...truly a part of our KOA family."

“Independence Bank is more than just a trusted partner, they are truly a part of our KOA family. For years, the IB team has had the best interests of our franchisees in mind, working diligently to make them successful. Our system has grown and thrived for decades, in large part due to the commitment of Independence Bank to our brand. KOA and Independence Bank is such a winning combination that it’s hard to imagine one without the other – nor would we want to."

Toby O'Rourke, President & CEO
Kampgrounds of America, Inc.

KOA Campground Purchase Loans

For acquisition of campgrounds, restructure of debt and refinancing of campgrounds:

  • Competitive rate and amortization
  • Customized payment schedules
  • No prepayment penalty
  • SBA 504 and 7(a) financing available

"Go With The Flow" Financing

Unique financing for developing and improving your campground business:

  • Quick approval process
  • No cash down
  • Flexible payment schedules
  • Repayment based on revenue or camper nights

Here's How to Apply

To begin the application process, please choose one of the applications below that meets your current needs:

KOA Loan Application - Purchase

KOA Loan Application - Refi or Improvements

Campground Advantage Accounts

Campground Advantage Savings

  • Business savings account with interest*
  • No monthly maintenance fees or per item fees
  • Can be paired with a Campground Advantage Checking account
  • Receive electronic statements
  • Free sweeps from Campground Advantage Checking to help maximize yield

Campground Advantage Checking

  • Business checking account with interest*
  • No monthly maintenance fees or per item fees
  • Free online banking and bill pay
  • Must be tied to merchant services
  • Can be paired with a Campground Advantage Savings account
  • Receive electronic statements
  • IB Switch Kit makes moving accounts easy and we will help streamline this process
  • Overdraft and returned check fees apply

*Contact us for interest rates and terms. Interest rates are subject to change.


"Healing Happens Here"

We are proud to work alongside Care Camps to give back to a wonderful organization with our KOA Care Camps card. For every transaction, Independence Bank will donate up to 5¢ back to Care Camps. Their mission is to help provide the opportunity for children to enjoy the camp experience and remember what it's like to "just be a kid." Join our mission of giving back and get your Independence Bank KOA Care Camps card today!

2024 KOA Employ Secondary

Meet Your IB KOA Team

We are ready to work with you and your KOA campground!

Phone: 1.800.823.2274
Fax: 406.265.1242

2023 Debbie

Debbie Callahan
Senior VP/Branch Pres.
KOA Campground Lending

2023 Nate

Nate Molstad
KOA Loan Officer

2023 Max

Max Vogel
KOA Loan Officer

2024 Casey

Casey Cote
KOA Loan Officer

2023 Carol

Carol Murch
KOA Loan Assistant

2023 Sammie

Sammie Chagnon
KOA Loan Assistant

2023 Caitlin

Caitlin Teske
KOA Credit Assistant


Want To Know More?

Explore articles from the KOA Campground Lending Team on subjects such as:

  • "Go-With-The-Flow" Financing
  • Campground Expansion
  • Strategic Planning

Check out our YouTube page for a full list of videos over the years. We also invite you to visit and


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