Business owners look for caravan park finance when timing matters, bank criteria is tight, or a deal needs certainty. Whether you are buying, refinancing, upgrading amenities, or unlocking equity for expansion, the right funding structure can protect cash flow while keeping momentum on the asset. Contact us today.
Secured Lending provides specialist private lending solutions for caravan parks and related commercial property security, with a focus on fast, pragmatic credit decisions and clear requirements.
Caravan Park Finance for acquisition, refinance, and growth
Caravan parks can be strong performers, but they often sit outside standard bank comfort zones due to trading performance, lease structures, mixed use income, or unique property features. Private lending can be a fit when you need:
- Fast settlement for a purchase with a tight contract date
- Refinance to release equity for upgrades, cabins, amenities, or marketing
- Bridging finance while you reposition the park or improve occupancy
- A solution during bank delays, policy issues, or valuation gaps
- second mortgage funding behind an existing first lender in the right scenario
At Secured Lending, we speak to clients every week who require finance and we are happy to provide guidance and requirements for Caravan Park Finance. That includes helping you understand what information is needed, what security is acceptable, and how to present the deal so you can get a reliable answer quickly.
Private lending: a non-bank option when speed and certainty matter
If you are comparing options, a private lender is typically chosen for speed, flexibility, and certainty of execution rather than the lowest headline rate. Secured Lending operates as a private lender in Australia with a focus on clear requirements and practical outcomes.
Faster decisions when time is critical
We use our own funds for fast decisions and have an internal property valuation team which allows us to move fast within 24 hour.
Practical lending where banks may say no
Private lenders can assess the full picture including asset quality, location, demand drivers, and your plan for the park, not only a narrow bank policy lens. This can suit borrowers weighing up non-bank business loans when policy or turnaround time becomes an issue.
Short term structures that match a clear strategy
Many business owners want short term funding to buy, stabilise, renovate, or reposition, then refinance to a longer term facility later. We specialise in short term finance of 1 to 24 months, including solutions like private bridging finance where the timeline and exit are well defined.
Security based outcomes with a clear path to exit
Where the security is strong and the exit strategy is clear, private lending can deliver a workable solution even when trading history is uneven or financials are still improving.
Clear requirements, early
A good private lender will tell you quickly what they need, what they can do, and what they cannot do, so you can make an informed decision without wasted time.
Loan parameters and what we can offer
Secured Lending is a specialist private lender in secured business loans, private mortgage solutions, including first mortgage and second mortgage structures, plus bridging facilities.
Key lending details:
- We have funded over $500million loans
- We offer loans from $250k to $10M
- Rates from 9.2% p.a.
- We specialise in short term finance of 1 to 24 months
- We use our own funds for fast decisions and have an internal property valuation team which allows us to move fast within 24 hour.
What we typically look for in a caravan park finance request
Every caravan park is different, but most strong applications clearly cover these areas.
Security and valuation fundamentals
Property location, land component, improvements, zoning, and comparable sales matter. A credible valuation pathway helps drive speed and confidence.
Purpose and use of funds
Purchase, refinance, cash out for upgrades, arrears consolidation, or bridging. The purpose should align with the loan term and exit strategy. Where appropriate, the request may be structured as a secured business loan supported by commercial property security.
Exit strategy
Common exits include refinance to a bank after improvements, sale of the asset, or refinance via longer term non bank funding. The exit should be realistic and time bound.
Borrower position
We consider your experience, your plan, and your broader asset and liability position. A well prepared summary can reduce back and forth.
Documentation readiness
Basic documents are usually requested early so decisions are not delayed. If you are not sure what to prepare, we will outline requirements upfront.
Common scenarios where private caravan park finance helps
Private lending is often used when a borrower needs certainty and speed, including:
- Buying a caravan park where the vendor requires a quick settlement
- Funding upgrades to lift revenue and valuation before longer term refinance
- Bridging a timing gap between purchase and sale of another asset
- Accessing equity for expansion, additional sites, or improvements
- Second mortgage funding where a first lender remains in place, subject to suitability
Areas we service
Secured Lending is a non bank private lender servicing Sydney, Melbourne, Brisbane, Gold Coast, Perth, Adelaide, Canberra and surrounding metro and regional areas. Caravan parks are often in regional markets, and we regularly assess deals outside CBD locations where the fundamentals and exit make sense.
Why business owners choose Secured Lending
When you are arranging caravan park finance, you need a lender that can move quickly, communicate clearly, and provide a dependable pathway from approval to settlement.
With Secured Lending, you get:
- A specialist private lender focused on secured outcomes
- Own funds decision making for speed
- An internal property valuation team to help keep momentum
- Loan sizing from $250k to $10M to suit both smaller parks and larger acquisitions
- Short term lending designed for transactions, repositioning, and bridging
- Experience across first mortgages, second mortgages, bridging loans, and secured business loans
If you are exploring caravan park finance now, Secured Lending can provide guidance on likely structures, requirements, and realistic timeframes so you can move forward with confidence.
Frequently Asked Questions
1) What information should I have ready to get a quick “yes/no” on a caravan park deal?
A strong starting pack is usually: the property address and basic description (zoning, site mix, cabins/powered/unpowered), your requested loan amount and purpose, contract date (if purchasing), current debt position (if refinancing), and a clear exit plan. If you can also share occupancy trends and a short summary of what’s driving the uplift (renovations, tariff changes, marketing, manager change), it’s much easier to assess speed and suitability.
2) How do you look at income when the park has mixed revenue (sites, cabins, manager’s residence, café, storage, etc.)?
Mixed income is common in caravan parks. What matters is whether the income sources are understandable, repeatable, and supported by evidence (statements, booking system reports, BAS, bank statements, tariffs). Where a portion is seasonal or being improved, the key is explaining what is changing and why the numbers are expected to hold.
3) If a bank valuation comes in low (or the bank is slow), can private lending still work?
It can. Private lending may be appropriate where the security is strong and there’s a clear exit strategy—especially if timing is critical and the deal can’t wait on bank processes. Where there’s a valuation gap, the pathway is typically to fund short term while you execute improvements, stabilise performance, or allow time for a cleaner refinance.
4) What does a “clear exit strategy” look like for caravan park finance?
A good exit is specific and time bound. Common examples: refinance to a bank after upgrades and improved trading history; refinance to longer term non bank funding once occupancy and revenue stabilise; or sale of the asset with a realistic sales timeframe. The more the exit relies on execution (renovations, operational changes), the more important the plan and budget become.
5) Can you do second mortgage caravan park funding behind an existing lender?
In the right scenario, yes. The main considerations are the first lender position, available equity, the overall leverage, and whether the second mortgage solves a clear problem (for example, funding upgrades that support an uplift and a refinance). The structure needs to make sense on security and on the exit.
6) What usually slows down caravan park funding, and how can I avoid delays?
The most common delays are missing or inconsistent documents, unclear purpose of funds, and a vague exit timeline. You can reduce back-and-forth by providing a short deal summary (what you’re doing and why), key numbers (purchase price/current debt, requested amount, intended works budget), and the documents you already have available early. Where the request is for “equity release,” being clear about exactly where the funds are going also helps keep momentum.
