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    Hotel & Hospitality financing

    Hotel & Hospitality Business Loans

    Hotels and hospitality businesses finance large, long-lived assets and periodic renovations, often required by a brand's property improvement plan. Lenders look closely at occupancy, rates and the market.

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    Financing that fits

    Real Estate Loan

    Long-term financing for buying or refinancing the property.

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    SBA Loan

    SBA 7(a) and 504 loans are used for owner-operated hotel purchases and renovations.

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    Term Loan

    Funds renovations and FF&E with fixed payments.

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    What owners finance

    • Acquiring a hotel or motel
    • Renovations and property improvement plans
    • Refinancing existing debt
    • FF&E (furniture, fixtures and equipment)
    • Working capital through slow seasons

    What lenders look at

    • Occupancy and average daily rate trends
    • Franchise or brand affiliation
    • Property condition and required improvements
    • Local market demand

    Documents to have ready

    • Profit and loss statements (often trailing 12 months)
    • STR or occupancy reports, if available
    • Franchise agreement and property improvement plan
    • Property tax returns and rent roll if applicable
    • Purchase agreement for an acquisition

    Common questions

    Can I finance a brand-required renovation?
    Yes. Lenders finance property improvement plans, often alongside a refinance or acquisition.
    Do independent hotels qualify?
    Yes, though some lenders prefer branded properties. Strong operating history helps.
    How much down payment is typical?
    It varies by lender and loan type. SBA loans generally need less down than conventional hotel loans.

    Financing for your hotel & hospitality business

    One application. Matched lenders. Offers you can compare side by side.

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