Hotel financing is all we do.
We structure, underwrite, and place hotel loans nationwide — matching every deal to the right loan type and the right lender.
Do you need a loan to build, buy or refinance a hotel property?
If so, you’ve come to the right place.
It’s as easy as 1-2-3
SPEAK WITH ONE OF OUR FINANCING EXPERTS.
Hotel financing is all we do, and we are here to answer any questions you have about financing your hotel project. The consultation is free, and we never charge an upfront fee.
GET MATCHED WITH THE LOAN THAT IS RIGHT FOR YOU.
Getting matched to the right loan is critical to having a hassle-free closing. We offer many different loan programs, and we’ll match you with the one that’s just right for what you want to accomplish.
RECEIVE A TERM SHEET FROM A LENDER MATCHED TO YOUR DEAL.
When a term sheet comes back from one of our lender partners, we review it with you and keep the loan request moving toward 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 structure 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, there is never an upfront fee, and there is no obligation.
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 they can be closed very quickly as compared to long-term financing.
Benefits of Bridge Financing:
- Fast closings
- 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.
Speak with a hotel financing expert
Call 866-994-6835 or complete the form and a hotel financing expert will get back to you. There is no obligation, we never charge an upfront fee, and you do not need to have everything organized before you reach out — we are glad to answer questions even if you are not ready to move forward.
Last reviewed: August 2026