Hotel and Hospitality Financing Nationwide, Conventional Real Estate to $100M
🏨 Financing Built for Hotel and Hospitality OwnersI’m Kevin Kermeen, a nationwide commercial loan broker, not a bank. Hotel and hospitality financing is where my edge is sharpest, because a hotel is a big real estate deal and most owners get pushed toward slow SBA paperwork or a CMBS shop that treats them like a number. Here is the better path: I have conventional, private commercial real estate financing up to $100 million* to buy, build, refinance or renovate your property, fast and without government red tape, plus bridge financing when a deal has a clock, FF and E financing for the refresh, and the SBA 504 route when it genuinely fits a smaller or owner-occupied property. Hotels, motels, resorts, boutique and independent properties, I match you to the lender that funds hospitality.
Hotel and Hospitality Financing for Acquisition, Construction, Renovation and Growth
Hotel and hospitality financing is a big-ticket real estate game, and banks either move too slow or push you toward a CMBS desk that treats you like a file number. I work differently. The headline is the real estate: I have conventional, private commercial real estate financing up to $100 million* to buy, build, refinance or renovate hotels, motels and resorts without government red tape, plus bridge financing for fast closes, FF and E financing for the refresh, and the SBA 504 route when it fits a smaller or owner-occupied property. I match you to lenders who actually fund hospitality.
Hotel Real Estate to $100M*
Conventional, private financing to buy, build or refinance hotels, motels and resorts… fast, and without the SBA paperwork.
FF and E Financing
Furniture, fixtures and equipment, the room refresh and lobby upgrade, financed without draining operating cash.
Working Capital
Cover payroll and operations through the off-season and the seasonal swings every hospitality owner knows.
PIP and Renovation
Fund the franchisor-mandated Property Improvement Plan or a full renovation, fast, before the brand deadline hits.
Construction and Development
Build a new hotel or expand an existing property, ground-up construction and development drawn in stages.
Acquisition and Bridge
Buy an existing hotel or portfolio, or bridge a time-sensitive deal with a fast close and a clean exit.
Hotel and Hospitality Financing by Property and Need
I finance hospitality properties of every kind nationwide, from full-service hotels to roadside motels, resorts and independent inns. Start with your property type or your need below, and if you do not see your exact situation, call me anyway… I fund far more than what is shown here.
🏨 Financing by Property Type
A Hotel Owner Closed a $18M Acquisition on Conventional Financing After CMBS Fell Through
A hospitality owner had an $18 million hotel under contract, but the CMBS financing they were counting on collapsed late in the process and the closing deadline was days away. A blown deadline meant losing the property and the deposit.
They called me. I matched them to conventional, private commercial real estate financing with the hotel as collateral and a fast close that beat the deadline, then set up a clean refinance to permanent terms once the property stabilized. They closed on time, kept the property, and protected the deposit.
That’s what the right hospitality match looks like. Don’t Beg the Bank! Get funded instead.
The Right Loan Program for Each Hospitality Need
Hotel and hospitality financing isn’t one product. The right structure depends on what you’re doing, and for the property you have a real choice between fast conventional financing and the SBA route. I match you to the one that fits, tap any to explore it.
Conventional Hotel Real Estate to $100M*
Private, non-SBA financing to buy or refinance a hotel, motel or resort… fast, and without government paperwork.
See commercial real estateWorking Capital
Cover payroll and operations through the off-season and the seasonal revenue swings.
See working capitalFF and E Financing
Furniture, fixtures and equipment for the room and lobby refresh, with the equipment as collateral.
See equipment financingConstruction and Development
Build a new hotel or expand a property, ground-up construction and development drawn in stages.
See construction loansSBA 504 (When It Fits)
For smaller or owner-occupied properties, long-term fixed-rate financing with a lower down payment.
See SBA 504Bridge Financing
Move fast on a time-sensitive acquisition or a PIP deadline, interest-only with a clean permanent exit.*
See SBA and bridge optionsQualifying for Hotel and Hospitality Financing
Hospitality lending is its own world. Conventional hotel lenders underwrite the property, its revenue and the deal, not just years of personal tax returns, so an owner with a solid property and decent credit can close fast without SBA or a CMBS shop. The right lenders read hotel cash flow, occupancy and the deal correctly. I qualify deals honestly so neither of us wastes time.
✅ What helps you qualify
- ✔An operating hospitality property, or a clear plan and a property to buy, build or renovate.
- ✔A hotel, motel, resort or inn a lender can underwrite and secure against.
- ✔Occupancy, revenue or a credible business plan a lender can verify.
- ✔A down payment or equipment contribution that strengthens the file.
💡 Straight talk
- →Conventional hotel financing is underwritten on the property and revenue, not just history, and closes fast.
- →Bridge financing moves fast when a deal or a PIP deadline has a clock on it.
- →Credit is flexible, there’s no single hard FICO floor; stronger credit means better terms.
- →You choose: fast conventional financing, or the SBA 504 route if it fits a smaller property.
Get Your Hotel Financing Options
A quick, no-pressure pre-qualification. I personally review every submission, no call center, no junior rep.
Got it. I’m on it.
Your hotel financing request landed in my inbox. I personally review every submission and most responses go out within one business hour.
Watch for a call from me, Kevin Kermeen, I call directly, I don’t text.
Recent Hotel and Hospitality Financing From My Desk
A snapshot of the hotel and hospitality financing I match to lenders across the country. Every property is different, yours starts with a conversation.
Hotel and Hospitality Financing · Conventional
An owner bought an $18M hotel on conventional, non-SBA financing with a fast close after CMBS fell through.
Motel · PIP Renovation
A franchised motel funded a brand-mandated Property Improvement Plan fast, ahead of the deadline.
Bed and Breakfast · SBA 504
An innkeeper bought an owner-occupied BandB with the SBA 504 route and a lower down payment.
How I Match Hotel and Hospitality Financing to the Right Lender
Hospitality is a big-ticket real estate business, and the biggest decisions are about the property. I work with many lenders, so I match your hotel and hospitality financing to the right one, and that means a real choice: fast conventional financing up to $100 million*, bridge for speed, or the SBA 504 route when it suits a smaller property. I review the options with you before you commit.
Here’s the reality for a hotel owner, and the honest truth most broker sites bury. When you buy, build or refinance a hospitality property, you have a few very different paths. Big flagged hotels often run through CMBS, which is its own slow, rigid world, and banks frequently push smaller owners toward SBA paperwork that drags for months. I work the path most owners are never shown: conventional, private commercial real estate financing up to $100 million* that underwrites the property and its revenue, closes fast, and keeps the red tape out of your deal. When a purchase or a brand-mandated Property Improvement Plan has a deadline, bridge financing moves quickly and is later refinanced into permanent terms. For the room and lobby refresh, FF and E financing covers furniture, fixtures and equipment without draining operating cash. And for seasonal swings, working capital and a line of credit carry payroll and operations through the off-season. The SBA 504 route stays on the table when it genuinely fits a smaller or owner-occupied property like a bed and breakfast.
The right structure depends on what you are funding. To buy or refinance the property fast and without SBA strings, that is a commercial real estate loan, conventional and up to $100 million* on qualified deals. To build new or expand, that is construction and development financing drawn in stages. The room refresh and PIP run through FF and E and equipment financing, the seasonal cash gap through working capital or a business line of credit, and if a smaller owner-occupied property suits the government-backed route, the SBA programs including 504 are there. According to the U.S. Small Business Administration, its 504 loan program is designed for owner-occupied commercial real estate.
So tell me what kind of property you have and what you’re trying to do. Whether you need to buy a hotel on fast conventional terms, build ground-up, fund a PIP before the brand deadline, refresh the rooms, or bridge a time-sensitive deal, I’ll match you to the lender most likely to fund it. Find your property type in the directory above, or compare every option on my loan programs page. Don’t Beg the Bank! Get funded instead.
Sources: U.S. Small Business Administration, 7(a) loan program and 504 loan program.
Straight Answers Before You Apply
What is hotel and hospitality financing?
Do I have to use CMBS or SBA to buy a hotel?
How do I fund a brand-mandated PIP renovation?
How does FF and E and seasonal working capital work?
What kinds of hospitality properties do you finance?
What does it cost to work with you?
A Broker Who Knows Which Lenders Fund Hospitality
I’m Kevin Kermeen, the nationwide commercial loan broker behind 75BizLoans.com, not a bank and not a lead-selling portal. Hospitality lending splits between conventional and bridge real estate lenders, FF and E and the SBA programs, and knowing when to use fast conventional financing up to $100 million* versus a bridge or the government route is exactly what I do. I personally review every application, I call you directly, and I never text. For the SBA option, see the 504 loan program.
Don’t Beg the Bank!
Get Funded Instead.
Banks hand out umbrellas when the sun is shining, not when you’re weathering the storm … and they’ll push you into slow SBA paperwork or a rigid CMBS desk for a hotel you could close faster. I match you to hotel and hospitality financing built for the property … conventional real estate up to $100 million* without the government strings, bridge for speed, FF and E for the refresh, and the SBA 504 route when it fits. Get a same-day callback from a broker who reviews every deal himself.
Hospitality financing for FF and E and working capital generally ranges from $10,000 to $5 million, with conventional commercial real estate, construction and development financing available up to $100 million on qualified transactions. *90% leverage applies only to qualified commercial real estate, development and construction transactions generally between $5 million and $100 million (loan-to-value on stabilized properties; a blended loan-to-value and loan-to-cost on ground-up construction); large-deal terms generally run 12 to 60 months with closings typically in 15 to 30 days, and stabilized permanent financing runs 5 to 30 years. Owner-occupied bridge financing generally runs $150,000 to $100 million, 60 to 75% loan-to-value, interest-only, 6 to 60 month terms, with a permanent or SBA takeout exit. All figures are illustrative and not a commitment to lend; actual rates, leverage, terms and timing vary by lender, creditworthiness, property, revenue, collateral and structure. SBA 504 and 7(a) loans are capped at $5 million and are separate government-backed programs with their own eligibility, terms and timelines set by the SBA. No upfront fees refers to fees payable to 75BizLoans.com; I am paid by the lender at closing. Some partner lenders may require a commitment deposit when you accept their term sheet.