You run the hotel. We structure your loan.
We are nationwide hotel financing specialists who underwrite, structure, and place hotel loans—taking your project from an initial free consultation all the way to a successful closing.
We don’t just match you with a lender; we handle the heavy lifting at every stage to ensure your deal gets funded.
Do you need a loan to build, buy or refinance a hotel property?
If so, you’ve come to the right place.
Our 5-step funding process
Free consultation
We discuss your project and goals to see how we can add value.
Viability review
You provide initial documents, and we determine if the project is financeable.
Formal engagement
We become your trusted partner, gathering the deeper details needed to craft a bulletproof lender proposal.
Underwriting & matching
We identify the exact loan type to accomplish your specific goals, then take your project directly to our network of proven lenders.
Term sheet to closing
We secure your term sheet and stay actively engaged to guarantee a smooth closing.
What We Do
Hotelloans.com structures, underwrites, and places financing for hotel and hospitality properties nationwide. Hotel financing is all we do.
We understand every major loan program used to finance hotels in the United States — SBA 7(a), SBA 504, conventional balance sheet, CMBS, bridge, USDA, mezzanine, and preferred equity — and we maintain active relationships with the lenders who offer them. Because we are not tied to a single product, we are never pushing a borrower into the one loan we happen to offer. We match the deal to the right loan type first, then to the right lender.
We underwrite every transaction internally before submitting it to our lender relationships, and we prepare the credit memo and complete loan package that lets a lender understand the deal and move quickly. Our lender partners fund the loans and issue the term sheets. We do the work that gets a deal there, and we stay on it through to the closing table.
The consultation is free, and so is our review of your documents, with no obligation at either point.
Loan Programs
Conventional loans are typically offered by a bank close to the property being financed or a national bank that lends nationally. We have relationships with dozens of local and national banks that offer conventional financing for hoteliers across the country. Rates are competitive, terms are flexible, and loan amounts are set by the lender and the deal, not by a program cap.
Benefits of a Conventional Loan:
- Competitive rates
- Flexible terms
- Loan amount set by the lender and the deal
An SBA loan is an excellent way to purchase, refinance or build a hotel because it’s easier to qualify for than other types of loans. In addition, SBA financing can reach up to 85% of total project cost — acquisition price, PIP, closing costs, and guarantee fees included — and terms are very favorable.
Many people feel SBA loans require too much paperwork and take a long time to close. That reputation is out of date — we prepare the complete loan package so the lender can move without waiting on missing documents.
Benefits of SBA Financing:
- Less money down — roughly 15% equity where cash flow supports the debt
- Get additional funds for PIP and working capital
- Excellent for turnaround and value-add properties
We have extensive experience financing ground up construction. Although most construction loans are made by local banks close to the construction site, we work with national construction lenders that specialize in financing for hotels.
Benefits of Construction Financing:
- Higher loan to cost (LTC)
- Easy access to capital
- National footprint
A bridge loan provides temporary financing while some obstacle is overcome or rectified allowing long-term financing to be put in place. These types of loans are excellent for purchasing turnaround properties. One of the main benefits of a bridge loan is that it can usually close sooner than long-term financing.
Benefits of Bridge Financing:
- Usually quicker to close than long-term financing
- Typically around 65% LTV, up to 70% where the deal supports it
- Excellent for turnaround and value-add properties
Why Us?
Hotel lending can be challenging because many lenders don’t have the experience needed to underwrite a hotel loan properly. This often leads to failed or delayed transactions and loss of money. Hotel financing is all we do, and we only work with lenders that specialize in hotel loans.
Hotel financing insights
Bridge Finance Loans for Hotel Acquisitions and Refinancing
Discover how bridge finance loans work for hotel acquisitions and refinancing, including terms, LTV, lender criteria, and how they compare to SBA and CMBS options.
Speak with a hotel financing expert
Call 866-994-6835 or complete the form on our contact page to speak with a hotel financing expert. We will talk through your deal and review your documents at no charge, with no obligation — and you do not need to have it all organized first.
Last reviewed: October 2026