Construction Costs Finance for Campsites and Caravan Parks
Construction finance supports the development of new facilities, buildings and infrastructure across
campsites, caravan parks and holiday parks. Specialist funding allows operators to build, expand and
modernise sites while managing cash flow and aligning repayments with long-term trading potential.
Introduction
Construction plays a central role in the growth of the UK caravan and campsite sector. Whether developing
a new holiday park, expanding an existing touring site or upgrading facilities to extend the trading
season, construction projects are often essential to remain competitive and compliant.
Unlike standard commercial developments, campsite and caravan park construction sits at the
intersection of property and trade. Projects may include roads, drainage, service buildings,
accommodation units, leisure facilities and utility infrastructure—often delivered in phases over
several seasons.
Specialist construction finance is therefore critical. It allows operators to fund complex, staged
developments without exhausting working capital, while giving lenders visibility over asset value,
planning status and long-term income potential.
Why Construction Requirements Are Increasing Across Campsites
Construction demand across caravan parks and campsites has grown as the sector diversifies and
professionalises. Sites now range from basic touring parks to full-scale holiday parks with extensive
facilities and mixed accommodation models.
- Growth of holiday parks with leisure and hospitality facilities
- Expansion into glamping and premium accommodation
- Rising standards for washrooms, accessibility and safety
- Infrastructure upgrades to support higher occupancy
- Phased development driven by planning conditions
Construction costs can be substantial, particularly where sites combine property elements (land,
buildings, static units) with trading income from short-term stays and services.
UK Finance Options for Campsite Construction Projects
Development & Construction Finance
Development finance is commonly used for major construction projects, with funds released in stages as
works progress. This is suitable for new facilities, buildings, infrastructure and phased site
expansion.
Commercial Property Finance
Commercial property finance may be appropriate where construction significantly enhances the long-term
value of land and buildings, such as new reception blocks, leisure facilities or accommodation units.
Bridging Finance
Bridging finance can be used to commence construction quickly while longer-term funding or planning
conditions are finalised.
Refinance Solutions
Existing land, property or completed phases can sometimes be refinanced to fund subsequent construction
stages.
Asset & Equipment Finance
Construction-related assets, fixtures and equipment may be funded separately through asset finance to
reduce pressure on development budgets.
How Gable Business Finance Supports Campsite Construction
Gable Business Finance specialises in funding
construction projects across campsites, caravan parks and wider rural businesses. We understand how
different site types—holiday parks, touring parks, static parks, glamping sites and small certificated
locations—require different funding approaches.
- Access to specialist development and leisure lenders
- Funding structures aligned to phased construction
- Support for mixed-use property and trading models
- Clear guidance through planning, build and completion
Case Studies: Construction Finance in Action
The following examples are anonymised and provided for illustrative purposes only.
Case Study 1: Holiday Park Leisure Facility Development
Business type: Established holiday park
Funding need: Construction of indoor leisure and reception complex
The park sought to extend its trading season by adding year-round facilities including a reception,
café and leisure space. The challenge was funding construction while keeping sufficient cash for
operations during quieter months.
Solution: Phased development finance linked to build milestones
Outcome: Facilities completed on schedule, increased off-season occupancy and higher
average booking values.
Case Study 2: Touring Park Infrastructure Upgrade
Business type: Touring caravan park
Funding need: Roads, drainage and upgraded service blocks
A touring park required significant infrastructure upgrades to meet licensing standards and improve
guest experience. Income was seasonal, making upfront funding difficult.
Solution: Development finance combined with asset finance for fixtures
Outcome: Improved compliance, higher ratings and increased repeat bookings.
Case Study 3: Glamping Site Construction on Rural Land
Business type: New glamping site
Funding need: Groundworks, utilities and accommodation bases
A landowner diversified into glamping, requiring construction funding before accommodation units
could be installed. Planning conditions required staged delivery.
Solution: Bridging finance followed by refinance on completion
Outcome: Successful site launch with phased expansion plan.
Case Study 4: Static Caravan Park Expansion
Business type: Static caravan park
Funding need: Construction of new pitches and services
The park expanded capacity by adding new static pitches, requiring utilities, bases and access
infrastructure.
Solution: Commercial property finance with staged drawdowns
Outcome: Increased plot lease income and long-term asset value.
Frequently Asked Questions
What types of construction can be funded for campsites?
Funding can support buildings, infrastructure, roads, utilities, service blocks, leisure facilities
and phased site expansion.
Can construction finance be released in stages?
Yes. Development finance is commonly structured with staged drawdowns linked to build progress.
Is construction finance suitable for seasonal businesses?
Specialist lenders assess full-year performance and long-term site potential, making it suitable for
seasonal operations.
Can construction finance be combined with asset finance?
Yes. Many operators combine construction finance with asset and equipment finance for fixtures and
fit-outs.
Does planning permission need to be in place?
Planning status is important, though some lenders may support projects where permissions are
conditional or pending.
Gabble Business Finance: Construction Finance Backed by Rural Sector Expertise
Construction projects are often transformative for campsite and caravan park businesses, enabling
growth, diversification and improved resilience. With the right finance structure, operators can
deliver complex builds without destabilising cash flow.
Gable Business Finance is widely recognised for its expertise across the campsite and caravan park
sector and the wider rural economy. We arrange tailored funding for holiday parks, touring sites,
static parks, glamping operations and small certificated locations—each with distinct operating and
funding requirements.
Rural business finance differs fundamentally from standard commercial lending. It is asset-backed,
shaped by seasonal income and often integrated with grants, land values and long-term development
strategies. Gable works with a broad panel of specialist lenders to deliver business loans, asset and
equipment finance, development finance, bridging solutions and commercial property funding aligned to
these realities.
By combining sector knowledge with lender access, Gable Business Finance supports sustainable growth
for complex rural enterprises—helping campsite and caravan park operators build confidently for the
future.