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Hotel & Hospitality Financing

Hotel & Hospitality Loans

Financing to buy, refinance, renovate or reposition hotels and motels, flagged or independent. SBA, conventional, CMBS and bridge options, including PIP and renovation loans.

Loan amount$25M+Up to, from $200K
Financing90%Up to, through SBA
Bridge closing7 daysAs few as
Renovation and PIP$25MUp to
Eligible properties

Capital for owners and operators

Hotel lending is specialized. We work with lenders that underwrite hospitality cash flow, brand requirements and PIPs every day.

Flagged hotels

Branded properties, including reflags and conversions.

Independent and boutique

Non-branded hotels and boutique properties.

Acquisitions

Buy an operating hotel or motel.

PIP and renovation

Brand-required improvements, FF&E and capital upgrades.

Construction

New hotel development.

Short-term rentals

Bridge financing for short-term rental and hospitality conversions.

Program terms

Hotel loan terms

The best terms available across our lending partners. Final terms depend on the property, its operating history, the brand and your experience.

SBA 7(a)
$500,000 – $5,000,000; up to 90% financing
SBA 504
$500,000 – $25,000,000+; up to 90% financing; long-term fixed rate on the SBA portion
Conventional
$1,000,000 – $25,000,000+; up to 80% LTV
CMBS
$2,000,000 – $25,000,000+; up to 75% LTV; non-recourse available
Bridge and rehab
From $1,000,000; up to 75% LTV; 6 to 36 months interest-only; close in 7 to 21 days
PIP, FF&E and CapEx
$200,000 – $25,000,000; 3 to 10-year terms
Stabilized requirements
Minimum 1.25x debt service coverage and 55%+ trailing 12-month occupancy
Markets
Texas and nationwide
How it works

From STR report to closing

Send the property

Share the trailing 12-month operating statement, STR report and any brand or PIP requirements.

Match the program

We size SBA, conventional, CMBS and bridge options and bring back the best fit.

Close and operate

Close, complete any renovation, and refinance to permanent financing when the hotel stabilizes.

What you'll need

Documents checklist

  • Trailing 12-month and prior 2 years of operating statements
  • STR (Smith Travel Research) reports
  • Franchise agreement and PIP, if branded
  • Purchase contract or current loan payoff
  • Renovation budget and scope, if any
  • Operator resume and hotel experience
  • Personal financial statement for each guarantor
Example

Buying a hotel with SBA 504

Hotels are special-purpose properties, so SBA 504 typically requires 15% down.

Financing = Purchase price − Down payment
Hotel purchase price$8,000,000 Down payment (15%)$1,200,000 Total financing$6,800,000

Illustration only. Required equity depends on the program, the property and your experience. Fees and closing costs are additional.

Common questions

Hotel financing FAQ

Do you finance independent hotels?

Yes. Flagged and independent hotels, motels and boutique properties all qualify with the right lender.

Can I finance a PIP?

Yes. PIP, FF&E and capital improvement loans run from $200,000 to $25 million.

What occupancy do lenders need?

Stabilized loans generally look for 55% or higher trailing 12-month occupancy and 1.25x debt service coverage. Properties below that can start with a bridge loan.

Is non-recourse available?

Yes, on CMBS loans for qualifying properties.

How fast can a hotel loan close?

Bridge loans can close in 7 to 21 days. SBA and conventional loans take longer.

Financing a hotel?

Send us the operating history. We'll compare SBA, conventional, CMBS and bridge options.

Get Started

Terms shown are the best available across Capital Lending Group's lending partners as of October 2026 and change without notice. Not every borrower or property qualifies for every term. Loan amounts, leverage, terms and eligibility vary by lender, property, market, experience, credit profile and state. Business-purpose financing only. All loans are subject to lender review and approval. Capital Lending Group, LLC is a loan broker, not the lender. SBA programs are subject to SBA eligibility rules; Capital Lending Group is not affiliated with the U.S. Small Business Administration.