KAMPGROUNDS OF AMERICA vs Koa Kampgrounds(Kampgrounds Of
KAMPGROUNDS OF AMERICA vs Koa Kampgrounds(Kampgrounds Of: KAMPGROUNDS OF AMERICA costs $109K to $16.4M to open; Koa Kampgrounds(Kampgrounds Of costs $147K to $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, a lower SBA default rate, and a lower royalty load is the safer financing bet; see the comparison below.
KAMPGROUNDS OF AMERICA vs Koa Kampgrounds(Kampgrounds Of: Capital, Scale & Lending Analysis
Analysis based on 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 7(a) approvals compared with 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 SBA loss record 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 to $16.4M | $147K to $1.2M |
Franchise Fee | $45K | $50K |
Royalty Rate | 8% | 2% |
Ad Fund | 2% | 1.5% |
Liquid Capital | N/A | N/A |
Net Worth Required | N/A | N/A |
Financial Performance (Item 19)
Item 19 Status | Disclosed | 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 | 2023 |
Years Franchising | 63 yrs | 3 yrs |
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
Tie
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 SBA default rate
KAMPGROUNDS OF AMERICA
KAMPGROUNDS OF AMERICA: 0.0% · Koa Kampgrounds(Kampgrounds Of: 2.5%
Larger system & brand presence
Tie
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.
KAMPGROUNDS OF AMERICA has 39 SBA loans on record and Koa Kampgrounds(Kampgrounds Of has 79. Those totals are cumulative history rather than a measure of current appetite. Recent lending activity is trending down for at least one of these brands, so current lender appetite has to be checked deal by deal rather than assumed from the totals.
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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Page Review
Reviewed by Edward L. Freeman, Founder and Managing Director, PeerSense
- PeerSense is a capital advisory firm that places commercial financing with direct capital sources; it does not lend, fund, or approve loans, and the capital source sets final terms.
- Edward L. Freeman founded PeerSense in January 2020.
- He is a Registered Franchise Consultant with Business Alliance, Inc., a credential issued in March 2022, and worked as a franchise consultant there from March 2022 to May 2023.
- His recorded experience includes a $22 million SBA construction loan, with about $16 million funded on the deal.
- In the 12 months through September 30, 2026, PeerSense tracked 912 publicly announced financings with a disclosed size of $361.32 billion. PeerSense Capital Data Report · Methodology page
Last reviewed LinkedIn profileAbout Edward Freeman