Navigate the Complex World of Commercial Financing
Loan programs specifically structured for business owners and investors nationwide. We structure capital that aligns with your specific deal goals.
Expert
Advisory
Fast
Execution
National
Lender Reach
Unlike many traditional loan programs, SBA 7(a) financing allows you to fund more than just the real estate. This makes it especially valuable for hotel owners who need capital for improvements, operational costs, or repositioning strategies.
SBA 7(a) Loans
SBA 504 Loans
SBA 504 loans are best suited for hotel owners focused on long-term performance. With predictable payments and fixed rates, this program allows you to plan ahead while protecting your investment from interest rate volatility.
CMBS Loans
CMBS loans are ideal for experienced hotel owners who want to maximize leverage on stabilized assets while maintaining long-term financing stability. These loans are commonly used for larger deals where conventional or SBA financing may not be the right fit.
Bridge Loans
Bridge loans are ideal when a property doesn’t yet qualify for traditional financing. Whether the hotel needs improvements, stabilization, or repositioning, this financing gives you the capital and time needed to execute your strategy.
Tailored Loan Programs
Explore specialized financing categories structured to maximize LTV and accelerate your closing timeline for hotel acquisitions, refinancing, and new developments.
Key Advantages:
Finance FF&E, PIP, and operational needs
Combine business + real estate financing into one structure
Access capital without relying solely on local banks
Nationwide lending options
SBA 7(a) loans are designed for qualified buyers who are actively involved in the operation of the hotel
Typical requirements: 51%+ US ownership, personal guarantee for 20%+ ownership, strong credit and management experience, ability to meet debt service requirements
Key Advantages:
Fixed rate financing for long-term stability
Lower equity requirements than conventional loans
Ideal for established operators
Supports large real estate investments
SBA 504 loans are structured for owner-operators and businesses actively using the property
Typical requirements: Owner-occupied property (51%+), strong financials and operating history, personal guarantee for principal owners, must met SBA eligibility guidelines
Key Advantages:
Competitive interest rates
Higher loan amounts for larger assets
Long-term financing (typically 5-10 years)
Non-recourse options available
Scalable for multi-property portfolios
CMBS financing is best suited for strong income-producing hotel assets with experienced ownership
Typical requirements: Stabilized property with consistent cash flow, strong DSCR (1.25x or higher, experienced hotel ownership or management, clean financials and operating history, mid-large loan size
Key Advantages:
Underwriting based on future value potential
Faster approvals than conventional loans
Flexible structures tailored to your business plan
Ideal for repositioning and turnaround strategies
Bridge lenders focus on the strength of the deal and the exit strategy, but not designed for long-term financing
Typical requirements: Clear business or repositioning plan, defined exit strategy, experience in hotel ownership and operations, property with value-add or improvement potential
-
Loan Amount: Up to $5,000,000
-
Term: Up to 25 years, fully amortized
-
Leverage: Up to ~80–90% depending on deal structure
-
DSCR: Typically 1.25x or higher
-
Closing Timeline: Approx. 45–60 days
-
Prepayment: Declining penalty (first 3 years)
-
Structure: Bank loan + SBA second lien
-
Loan Amount: Typically up to $5M (SBA portion)
-
Down Payment: As low as ~10%
-
Term: 10, 20, or 25 years
-
Rates: Fixed on SBA portion
-
Use: Primarily real estate & fixed assets
-
Loan Size: Typically $2M – $100M+
-
Term: 5, 7, or 10 years
-
Amortization: 25–30 years
-
LTV: Up to ~65–75%
-
DSCR: Typically 1.25x+
-
Prepayment: Yield maintenance or defeasance
-
Loan Size: Typically $1M – $50M+
-
Term: 6–36 months
-
LTV: Up to ~65–75% (higher possible depending on deal)
-
Structure: Interest-only options available
-
Closing Timeline: As fast as 2–4 weeks
-
Prepayment: Flexible, often minimal penalties
Construction Loans
Hotel construction loans are designed to fund ground-up development, major renovations, and large-scale expansion projects. Unlike traditional financing, these loans are structured around your development timeline—providing capital in stages as your project progresses.
Key Advantages:
Fund ground-up hotel construction and development
Capital released in stages based on project milestones
Flexible structuring for complex deals
Transition into permanent financing upon completion
Construction financing is highly specialized and requires a strong project foundation.
Typical requirements: Detailed development plans and budget, proven developer or operator experience, feasibility study and market analysis, strong financial backing and equity contribution, clear exit strategy
-
Loan Size: Typically $3M – $100M+
-
Term: 12–36 months (construction phase)
-
Structure: Funds disbursed in stages (draw schedule)
-
LTC: Up to ~70–80% of total project cost
-
Interest: Often interest-only during construction
-
Exit Strategy: Refinance into SBA, CMBS, or permanent loan
GET READY
Simple Eligibility Criteria
- 3+ Years Hospitality Management or Ownership
- 680+ Personal Credit Score for SBA Programs
- Trailing 12-Month Profit & Loss Statements
- Positive DSC Ratio on Proposed Debt
- Detailed Business Plan & Property Narrative
- Down Payment Readiness (10-25% based on program)
$600M+
Total Capital Funded
Unmatched leverage through our extensive network of capital providers nationwide.
20+
Years Experience
Strategic leadership and advisory from experts who have navigated multiple hospitality market cycles.
30-60
Days to Closing
Fast-track funding solutions designed to meet critical acquisition timelines and renovation deadlines.
100%
Hospitality Focus
Specialized focus ensures we understand the nuances of business assets, franchisors, and lenders.
Request Your Custom Strategy
Evaluate your acquisitions, construction, or refinancing projects with a national financing advisor. Speak with an expert today to see what programs fit your goals.