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Banking on the Hi-Line

KOA Campground Loans

Independence Bank is proud to be the primary financier of Kampground of America (KOA) campground purchases and improvements. Since 2000, we have loaned more than $250 million to KOA owners and are currently financing more than 40% of the active KOA campgrounds.


"America's Campground Bank"

“Independence Bank has made the required hands-on investment to understand the business, owners, and financial requirements of campground ownership/management. It is America’s 'campground bank.'”

James D. Rogers
Past President/CEO, Current Board Member
Kampgrounds of America, Inc.

"Go With The Flow" Financing

Unique financing for developing and improving your campground business:

  • No down payment required
  • Qualify at a competitively priced interest rate
  • Repayment is structured around the cash flow being generated by the campground
  • The loan may be paid off early, with no pre-payment penalties

KOA Campground Purchase Loans

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

  • Seasonal or monthly payments
  • Competitive rate with a 20-year amortization
  • Competitive terms and conditions
  • SBA 504 Financing available

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 account 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, KOA Branch President
Chuck Celania, Consultant
Nate Molstad, Commercial Loan Officer
Mike Atkinson, Campground Specialist/ Loan Officer

Lisa Jackson, Credit Analyst
Carol Murch, Loan Assistant
Janett Pugh, Loan Assistant

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