Hospitality Lending | Small Business Lending, Inc.
Hospitality financing

Hospitality Lending

SBA 504 and 7(a) financing for hotel and motel acquisitions, ground-up construction, PIP renovations, and franchise conversions.

Program overview

Hospitality financing built around brand and property requirements

Hotel and motel transactions carry considerations most lenders aren't equipped to evaluate — franchise agreements, property improvement plans (PIPs), brand-mandated renovations, and seasonality in cash flow. We structure hospitality financing primarily through SBA 504, with SBA 7(a) available for acquisitions and working capital needs, and work with lenders who understand how to underwrite a hotel deal correctly the first time.

What These Loans Can Finance

Hotel & Motel Acquisitions

Purchase an existing property, including the real estate and business operations.

Ground-Up Construction

Build a new property on land you own or are purchasing as part of the transaction.

PIP Renovations

Finance brand-mandated Property Improvement Plan renovations to maintain flag standards.

Franchise Conversion

Change flags or convert an independent property to a franchise brand.

Refinance Existing Debt

Refinance an existing hospitality property loan to improve terms or fund improvements.

Property Types We Regularly Finance
Limited-Service Hotels
Select-Service Hotels
Independent Motels
Franchise-Flagged Properties
Our role

Underwriting hospitality deals the way lenders actually expect to see them.

Brand & PIP review

We review franchise agreements and PIP scope as part of building the financing request.

Deal structuring

We structure the acquisition, renovation, and working capital components together.

Lender matching

We place the request with a lender experienced in hospitality underwriting.

Through closing

We stay engaged through underwriting, brand approval, and funding.