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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 $300 million to KOA owners and are currently
financing more than 40% of active KOA campgrounds. 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 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 click on the link below:

KOA Loan Application

Campground Advantage Accounts

Campground Advantage Savings

  • Business savings account with interest*
  • No monthly maintenance fees or per item fees
  • 6 withdrawal limit per month
  • 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.


Contact our KOA Team

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

Phone: 1.800.823.2274
Fax: 406.265.1242

Debbie Callahan
Senior VP Lending
Branch Manager - KOA Campground Lending 

Chuck Celania
Campground Consultant
Independence Bank Board Member 

Nate Molstad
Commercial Loan Officer 

Kelsey Ruhkamp
KOA Lending Officer

Carol Murch
Loan Assistant 

Sammie Chagnon
Loan Assistant 

Kristi Peterson
Deposit Relations Officer 


We also invite you to visit and


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