KAMPGROUNDS OF AMERICA vs Koa Kampgrounds(Kampgrounds Of
KAMPGROUNDS OF AMERICA vs Koa Kampgrounds(Kampgrounds Of: KAMPGROUNDS OF AMERICA costs $109K–$16.4M to open; Koa Kampgrounds(Kampgrounds Of costs $147K–$1.2M. KAMPGROUNDS OF AMERICA has 478 units, Koa Kampgrounds(Kampgrounds Of has 80. SBA loan history: KAMPGROUNDS OF AMERICA = 39 loans (0.0% default); Koa Kampgrounds(Kampgrounds Of = 79 loans (2.5% default). The franchise with more SBA-funded units, lower default rate, and lower royalty load is the safer financing bet, see the comparison below.
KAMPGROUNDS OF AMERICA vs Koa Kampgrounds(Kampgrounds Of: Capital, Scale & Lending Analysis
Data-driven differentiation pulled from FDD filings and SBA 7(a) loan-level data. Each pairing reflects a unique combination of capital intensity, system scale, and financing path.
Capital Intensity
KAMPGROUNDS OF AMERICA requires the lower minimum capital commitment ($109K vs $147K for Koa Kampgrounds(Kampgrounds Of), a 26% spread. Initial franchise fees come in at $45K for KAMPGROUNDS OF AMERICA versus $50K for Koa Kampgrounds(Kampgrounds Of, KAMPGROUNDS OF AMERICA has the lower entry fee. Ongoing royalty load is 8% for KAMPGROUNDS OF AMERICA and 2% for Koa Kampgrounds(Kampgrounds Of, giving Koa Kampgrounds(Kampgrounds Of the lighter per-unit drag on operating income.
System Scale & Tenure
On scale, KAMPGROUNDS OF AMERICA operates 478 units to Koa Kampgrounds(Kampgrounds Of's 80, roughly 6× the system size.
SBA Lending Profile
Koa Kampgrounds(Kampgrounds Of has the deeper SBA lending track record with 79 historical 7(a) approvals versus 39 for KAMPGROUNDS OF AMERICA.
Risk Signal
SBA default rates are 0.0% for KAMPGROUNDS OF AMERICA and 2.5% for Koa Kampgrounds(Kampgrounds Of, KAMPGROUNDS OF AMERICA has the cleaner historical loss profile by 2.5 points. PeerSense FPI scores come in at 54 (Moderate) for KAMPGROUNDS OF AMERICA and 50 (Moderate) for Koa Kampgrounds(Kampgrounds Of, giving KAMPGROUNDS OF AMERICA the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 54/100 | 50/100 |
Health Tier | Moderate | Moderate |
Confidence | N/A | N/A |
Lending Trend | Declining | Declining |
SBA Lending
SBA Loans | 39 | 79 |
SBA Volume | – | – |
Default Rate | 0.0% | 2.5% |
Peer Tier | established | established |
Investment & Costs
Total Investment | $109K – $16.4M | $147K – $1.2M |
Franchise Fee | $45K | $50K |
Royalty Rate | 8% | 2% |
Ad Fund | 2% | N/A |
Liquid Capital | N/A | N/A |
Net Worth Required | N/A | N/A |
Financial Performance (Item 19)
Item 19 Status | Disclosed | Not Disclosed |
System Size & Operations
Total Units | 478 | 80 |
Franchised Units | 427 | 80 |
Company-Owned | 51 | – |
Term Length | 5 yrs | N/A |
Brand Information
Year Founded | N/A | 1962 |
Franchising Since | 1963 | N/A |
Years Franchising | 63 yrs | N/A |
Headquarters | N/A | NEEDLES, CA |
Category | RV Parks | RV Parks |
Website | ||
FDD Year | 2026 | N/A |
Which Is Better, KAMPGROUNDS OF AMERICA or Koa Kampgrounds(Kampgrounds Of?
Lower upfront capital required
KAMPGROUNDS OF AMERICA
KAMPGROUNDS OF AMERICA: $109K starting · Koa Kampgrounds(Kampgrounds Of: $147K starting
More SBA lender confidence
Koa Kampgrounds(Kampgrounds Of
KAMPGROUNDS OF AMERICA: 39 SBA loans · Koa Kampgrounds(Kampgrounds Of: 79 SBA loans
Lower historical default rate
KAMPGROUNDS OF AMERICA
KAMPGROUNDS OF AMERICA: 0.0% · Koa Kampgrounds(Kampgrounds Of: 2.5%
Larger system & brand presence
KAMPGROUNDS OF AMERICA
KAMPGROUNDS OF AMERICA: 478 units · Koa Kampgrounds(Kampgrounds Of: 80 units
Lower ongoing royalty load
Koa Kampgrounds(Kampgrounds Of
KAMPGROUNDS OF AMERICA: 8% · Koa Kampgrounds(Kampgrounds Of: 2%
More lender financing options
Koa Kampgrounds(Kampgrounds Of
KAMPGROUNDS OF AMERICA: 29 unique lenders · Koa Kampgrounds(Kampgrounds Of: 56 unique lenders
Decision matrix uses publicly disclosed FDD and SBA loan data. Not a recommendation. Your best franchise depends on capital, market, operating capacity, and risk tolerance.
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About These Franchises
KAMPGROUNDS OF AMERICA vs Koa Kampgrounds(Kampgrounds Of: Franchise Funding Comparison
Comparing KAMPGROUNDS OF AMERICA and Koa Kampgrounds(Kampgrounds Of is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $109K to $16.4M.
Both brands have active SBA lending histories, KAMPGROUNDS OF AMERICA with 39 SBA loans and Koa Kampgrounds(Kampgrounds Of with 79. This means proven lender acceptance and established underwriting paths for franchise buyers.
SBA 7(a) loans are the most common franchise funding vehicle, offering up to $5M with as little as 10% down. PeerSense connects franchise buyers with the specific lenders who have approved loans for these brands, not generic referrals, but lenders with actual franchise lending track records.
Data sourced from SBA loan records, Franchise Disclosure Documents, and public filings. Updated regularly. Not financial advice, consult with a lending professional before making investment decisions.
KAMPGROUNDS OF AMERICA vs Koa Kampgrounds(Kampgrounds Of, Frequently Asked Questions
Which is a better franchise investment, KAMPGROUNDS OF AMERICA or Koa Kampgrounds(Kampgrounds Of?
How much does a KAMPGROUNDS OF AMERICA franchise cost compared to Koa Kampgrounds(Kampgrounds Of?
Can I finance KAMPGROUNDS OF AMERICA or Koa Kampgrounds(Kampgrounds Of with an SBA loan?
Which has a lower SBA default rate, KAMPGROUNDS OF AMERICA or Koa Kampgrounds(Kampgrounds Of?
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