KOA Campground Loans

Independence Bank has specialized in campground lending since 2002. We have loaned more than $780 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:

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.