Hospitality Financing
Hotel and Motel Financing for Hospitality Investors
Hotel and motel financing covers acquisition, renovation, refinancing, and ground-up construction for full-service hotels, select-service hotels, extended-stay properties, boutique hotels, and budget motels. Hospitality is one of the most specialized commercial lending categories, requiring lenders with deep franchise and brand relationship experience. Capital sources include CMBS conduits, SBA 504, debt funds, and specialized hospitality lenders. Minimum loan size is $1 million.
Apply for Hospitality Financing →Key Features
Hotel & Motel Financing at a Glance
Loan Amount
$1M - $50M+
Term
5 - 25 Years (Perm) / 12-36 Months (Bridge)
Rates
6.00% - 12.00%
Ltv
Up to 70% LTV
Structure
Fixed or Floating, Brand-Specific Underwriting
Recourse
Non-Recourse Available (CMBS)
Overview
Financing for Hotels, Motels, and Hospitality Properties
Hospitality financing requires lenders who understand RevPAR, ADR, occupancy trends, brand standards, and the operational complexity of hotel assets. Most conventional banks have limited appetite for non-owner-operated hospitality, concentrating lending activity among CMBS conduits, specialized hospitality debt funds, and SBA programs for owner-operated properties. Franchise affiliation (Marriott, Hilton, IHG, Choice, Wyndham) significantly affects lender appetite and loan terms. Flag-affiliated limited-service and select-service hotels in markets with strong corporate and leisure demand are the most lendable. SBA 504 is particularly well-suited for owner-operated boutique and independent hotels seeking long-term fixed-rate financing.
Lender Sources
- CMBS Conduits
- SBA 504 and 7(a)
- Debt Funds
- Hospitality-Focused Bridge Lenders
- Life Insurance Companies (flagged, full-service)
Ideal For
- Select-service and limited-service hotel acquisitions with major brand affiliations
- Boutique and independent hotel renovations and repositioning
- Extended-stay property acquisitions in corporate demand markets
- Owner-operated hotel and motel purchases using SBA 504 financing
- Hotel-to-residential or mixed-use adaptive reuse conversions
- Ground-up hotel construction near airports, convention centers, and tourist destinations
Hotel & Motel Financing by City
Los Angeles, CA
Hospitality Loans
New York, NY
Hospitality Loans
Phoenix, AZ
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Dallas, TX
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Houston, TX
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Miami, FL
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Atlanta, GA
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Chicago, IL
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Denver, CO
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Seattle, WA
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San Diego, CA
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San Francisco, CA
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Austin, TX
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Nashville, TN
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Tampa, FL
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Charlotte, NC
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Minneapolis, MN
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Portland, OR
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Las Vegas, NV
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Orlando, FL
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Raleigh, NC
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Salt Lake City, UT
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San Antonio, TX
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Kansas City, MO
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Columbus, OH
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Indianapolis, IN
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San Jose, CA
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Philadelphia, PA
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Washington DC, DC
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Detroit, MI
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Boston, MA
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Baltimore, MD
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Sacramento, CA
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St. Louis, MO
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Pittsburgh, PA
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Cincinnati, OH
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Cleveland, OH
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Jacksonville, FL
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Milwaukee, WI
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Memphis, TN
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Oklahoma City, OK
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Louisville, KY
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Richmond, VA
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Virginia Beach, VA
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New Orleans, LA
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Birmingham, AL
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Hartford, CT
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Tucson, AZ
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Boise, ID
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Omaha, NE
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Tulsa, OK
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Honolulu, HI
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Albuquerque, NM
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El Paso, TX
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Riverside, CA
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Charleston, SC
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Knoxville, TN
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Fort Worth, TX
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Savannah, GA
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Fort Lauderdale, FL
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West Palm Beach, FL
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Durham, NC
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Colorado Springs, CO
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Huntsville, AL
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Provo, UT
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Boulder, CO
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Reno, NV
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Ann Arbor, MI
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Madison, WI
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Des Moines, IA
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Lexington, KY
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Providence, RI
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Buffalo, NY
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Rochester, NY
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Grand Rapids, MI
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Fresno, CA
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Worcester, MA
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Stamford, CT
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Bridgeport, CT
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New Haven, CT
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Bakersfield, CA
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Oxnard-Ventura, CA
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Allentown, PA
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Baton Rouge, LA
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Dayton, OH
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McAllen, TX
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Stockton, CA
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Columbia, SC
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Greensboro, NC
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Akron, OH
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Sarasota, FL
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Fort Myers, FL
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Little Rock, AR
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Wichita, KS
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Lakeland, FL
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Ogden, UT
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Winston-Salem, NC
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Augusta, GA
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Spokane, WA
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Syracuse, NY
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Toledo, OH
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Lancaster, PA
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Chattanooga, TN
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Scranton, PA
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Harrisburg, PA
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Asheville, NC
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Pensacola, FL
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Jackson, MS
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Shreveport, LA
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Greenville, SC
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Fayetteville, NC
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Myrtle Beach, SC
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Wilmington, NC
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Montgomery, AL
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Roanoke, VA
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Charlottesville, VA
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Fredericksburg, VA
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Manchester, NH
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Portland, ME
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Burlington, VT
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Springfield, MA
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Cape Coral, FL
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Daytona Beach, FL
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Columbia, MO
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Springfield, MO
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Sioux Falls, SD
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Fargo, ND
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Lincoln, NE
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Cedar Rapids, IA
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Peoria, IL
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Fort Wayne, IN
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South Bend, IN
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Evansville, IN
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Youngstown, OH
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Canton, OH
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Flint, MI
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Kalamazoo, MI
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Lansing, MI
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Duluth, MN
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Rochester, MN
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Green Bay, WI
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Appleton, WI
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Wausau, WI
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Eau Claire, WI
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Champaign-Urbana, IL
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Davenport, IA
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Waterloo, IA
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Sioux City, IA
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Topeka, KS
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Lubbock, TX
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Midland, TX
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Abilene, TX
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Tyler, TX
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Waco, TX
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Beaumont, TX
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Corpus Christi, TX
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Killeen, TX
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Round Rock, TX
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Brownsville, TX
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Laredo, TX
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Flagstaff, AZ
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Yuma, AZ
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Santa Barbara, CA
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San Luis Obispo, CA
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Santa Cruz, CA
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Palm Springs, CA
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Visalia, CA
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Salinas, CA
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Chico, CA
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Redding, CA
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Victorville, CA
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Temecula, CA
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Modesto, CA
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Missoula, MT
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Billings, MT
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Great Falls, MT
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Helena, MT
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Bozeman, MT
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Idaho Falls, ID
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Pocatello, ID
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Twin Falls, ID
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Casper, WY
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Bismarck, ND
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Minot, ND
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Rapid City, SD
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Macon, GA
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Columbus, GA
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Florence, AL
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Dothan, AL
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Gulfport, MS
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Hattiesburg, MS
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Fredericksburg, TX
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Lynchburg, VA
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Hagerstown, MD
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Salisbury, MD
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Trenton, NJ
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Atlantic City, NJ
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Reading, PA
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York, PA
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Erie, PA
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State College, PA
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Charleston, WV
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Huntington, WV
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Wheeling, WV
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Manchester, TN
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Clarksville, TN
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Johnson City, TN
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Bowling Green, KY
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Owensboro, KY
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Paducah, KY
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Florence, SC
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Hilton Head Island, SC
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Wilmington, DE
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Dover, DE
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Manchester, CT
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Bangor, ME
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Albany, NY
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Binghamton, NY
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Poughkeepsie, NY
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Utica, NY
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Lowell, MA
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Springfield, IL
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Decatur, IL
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Bloomington, IL
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Joliet, IL
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Elgin, IL
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Waukegan, IL
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Rockford, IL
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La Crosse, WI
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Kenosha, WI
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Racine, WI
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Yakima, WA
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Kennewick, WA
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Bellingham, WA
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Olympia, WA
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Tacoma, WA
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Eugene, OR
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Medford, OR
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Astoria, OR
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Newark, NJ
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Jersey City, NJ
Hospitality Loans
Related Property Types
Hotel & Motel Financing are available for all major commercial property types. Explore financing by property category.
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Parking
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FAQ
Hotel & Motel Financing FAQ
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