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Refinancing and restructuring existing debt is one of the most effective ways for caravan park and
holiday park owners to improve cash flow, reduce financial pressure and unlock future growth.
Over time, many parks accumulate a complex mix of borrowing that no longer reflects the value,
scale or trading profile of the business. What may have been suitable finance at the point of
purchase or early expansion can become restrictive as the park evolves.
Caravan parks are long-term, asset-backed businesses. They typically hold significant value in
land, infrastructure and accommodation units, yet the finance supporting them is often short-term,
expensive or misaligned with seasonal income patterns. Refinancing and restructuring provide an
opportunity to reset the financial foundations of the park and ensure borrowing works in support
of the business rather than against it.
At Gable Business Finance, we specialise in refinancing and restructuring debt for UK
caravan parks and holiday parks. Our approach is advisory-led, practical and focused on long-term
outcomes. We look beyond individual loans and assess the entire financial structure of the park to
design funding solutions that reflect real operations, asset values and future plans.
Refinancing involves replacing existing borrowing with new finance on improved or more appropriate
terms. This may include moving to a new lender, extending loan terms, securing a lower interest
rate or consolidating multiple facilities into a single, more manageable structure.
For caravan park operators, refinancing is commonly used to:
Refinancing is not about increasing debt unnecessarily, but about ensuring existing debt is
structured in a way that supports the business.
Debt restructuring goes beyond simple refinancing. It involves redesigning how borrowing is
distributed across the business to better align with assets, income streams and operational needs.
For caravan parks, restructuring may involve:
Restructuring is particularly valuable where historic borrowing has grown organically without an
overall strategy.
The structure and value of a caravan park rarely remain static. Over time, parks expand, diversify
and increase in value, while finance arrangements often remain unchanged.
Common reasons caravan parks seek refinancing include:
When finance does not evolve alongside the business, it can quietly restrict performance and
growth.
Many caravan park owners operate with unsuitable finance for years without realising the full
impact. Warning signs that refinancing or restructuring may be beneficial include:
If these issues are present, a structured review can often uncover significant improvements.
Commercial mortgages typically represent the largest single liability for a caravan park. Over
time, changes in market conditions and park value can make refinancing highly advantageous.
Refinancing a commercial mortgage may allow operators to:
Because caravan parks are specialist leisure assets, using lenders experienced in the sector is
critical to achieving favourable outcomes.
Over time, many parks accumulate asset finance agreements for accommodation units, plant,
machinery and vehicles. Individually, these facilities may be manageable, but collectively they
can create significant monthly pressure.
Restructuring asset finance may involve:
This approach can significantly reduce monthly outgoings and simplify financial management.
As caravan parks grow and improve, their underlying asset value often increases substantially.
Refinancing allows park owners to release a portion of this value without selling the business.
Released capital is commonly used to:
When structured carefully, this can accelerate growth while maintaining financial stability.
Seasonality is one of the defining financial characteristics of caravan parks. Income is often
concentrated into a limited trading window, while costs continue year-round.
At Gable Business Finance, refinancing and restructuring focuses heavily on:
This alignment transforms finance from a constraint into a strategic tool.
Caravan parks are asset-rich businesses. Land, infrastructure and accommodation units often hold
significant value that is not fully utilised within existing finance structures.
A refinancing review considers:
Using asset-backed finance appropriately can dramatically improve terms and affordability.
Refinancing can create problems if poorly executed. Common mistakes include:
Specialist advice is essential to ensure refinancing delivers genuine long-term benefit.
Our approach to refinancing and restructuring is holistic and strategic.
We:
The objective is not simply to replace debt, but to strengthen the financial foundations of the
park.
Refinancing caravan park debt requires specialist understanding of leisure assets, seasonality and
lender appetite.
At Gable Business Finance, we offer:
Our focus is on long-term stability, flexibility and growth.
If your existing debt is restricting cash flow or limiting your ability to invest, refinancing and
restructuring could unlock significant opportunities.
Contact Gable Business Finance today to discuss refinancing and restructuring
solutions designed specifically for UK caravan parks and holiday parks.