Hospitality Working Capital Nationwide for Seasonal Cash Flow and Off-Season Payroll
💵 Working Capital Built for HospitalityI’m Kevin Kermeen, a nationwide commercial loan broker, not a bank. Hospitality working capital solves the problem every hotel, motel, resort and inn owner knows: the revenue is seasonal, but payroll, utilities, insurance and the mortgage are not. When peak season ends and the bookings dry up, the bills keep coming, and that off-season trough is where good properties get squeezed. I match you to working capital loans and a business line of credit built for that swing… draw in the slow months, repay when occupancy comes back. Cover off-season payroll, ramp up a new or just-acquired property, or bridge an unexpected gap. This is cash-flow financing on your revenue, not your real estate. I match you to lenders who fund hospitality operations.
Hospitality Working Capital for Every Cash-Flow Gap
Whether it’s the slow season, a new property ramping up, or an unexpected hit, there’s a cash-flow tool built for it… funded on your revenue, not tied up in your real estate. Here’s what hospitality working capital commonly covers.
Off-Season Payroll
Keep your staff employed and the property running when peak season ends and bookings drop. The sharpest reason owners call.
Seasonal Line of Credit
Revolving capital you draw in the slow months and repay when occupancy returns. Built for the hospitality swing.
Working Capital on Revenue
A term working capital loan underwritten on your hospitality revenue, not your real estate, funded fast.
Ramp-Up and Pre-Opening
Cover operations, hiring and marketing before a new or just-acquired property stabilizes its cash flow.
Unexpected Cash Gaps
A slow stretch, a weather hit, a renovation disruption or a sudden repair. Capital to keep operating through it.
Payroll, Utilities and Fixed Costs
The bills that do not pause for the off-season: payroll, utilities, insurance and debt service. Working capital covers them.
A Resort Owner Used a Seasonal Line of Credit to Keep the Full Staff Through a Dead Winter
A seasonal resort made most of its money in five months and bled cash the rest of the year. Each off-season the owner faced the same choice: lay off trained staff and scramble to rehire in spring, or find capital to carry payroll through the quiet months.
They called me. I matched the owner to a seasonal business line of credit underwritten on the resort’s revenue, drawn down through the winter to cover payroll and fixed costs and repaid through the peak season. The staff stayed, the property stayed ready, and spring opened strong instead of short-handed.
That’s what the right working capital match looks like. Don’t Beg the Bank! Get funded instead.
Hospitality Working Capital, the Right Tool for Each Gap
Hospitality working capital isn’t one product. The right tool depends on whether you need revolving access for the seasonal swing or a lump sum to ramp up or cover a gap. These are cash-flow products, funded on revenue. I match you to the one that fits, tap any to explore it.
Commercial Real Estate
Conventional, non-SBA financing to buy or refinance a hotel up to $100 million* on qualified deals.
See SBA 7(a)Working Capital Loan
A lump-sum term loan on your revenue to cover payroll, ramp-up or a cash gap, funded fast.
See working capitalSBA 504 and Real Estate
Own the hotel you operate with long-term, fixed-rate commercial real estate financing.
See hotel financingInvoice Factoring
Advance cash against unpaid group, event and corporate-contract invoices on the payer’s credit.
See invoice factoringWorking Capital
If you want it, the lower-down-payment SBA 504 route for a smaller or owner-occupied hotel up to $5M.
See working capitalLine of Credit
Revolving capital for seasonal swings and operations, draw only what you need.
See lines of creditQualifying for Hospitality Working Capital
Hospitality working capital is easier to qualify for than a real estate loan, because it is underwritten on your revenue and cash flow rather than tied up in the property. Lenders look at your bookings, deposits and operating history and how seasonal they are, and fund accordingly, often fast. An operating property with real revenue, even a seasonal one, has strong options. I qualify deals honestly.
✅ What helps you qualify
- ✔An operating hospitality property with revenue a lender can verify.
- ✔A solid property and decent credit, the foundation a hotel lender wants.
- ✔A hotel with solid, documented revenue and occupancy.
- ✔A down payment or contribution, which a parent or family member can help with.
💡 Straight talk
- →Working capital is underwritten on revenue and cash flow, not your real estate, and funds fast.
- →A line of credit fits the seasonal swing; a term loan fits a one-time gap or ramp-up.
- →Credit is flexible, there’s no single hard FICO floor; stronger credit means better terms.
- →A past bank rejection does not disqualify you; the deal and your credit matter more.
Get Your Working Capital 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 working capital 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 Hospitality Working Capital From My Desk
A snapshot of the hospitality working capital I match to lenders nationwide, property by property. Every hotel and deal is different, yours starts with a conversation.
Hospitality Working Capital · Seasonal Line
A resort drew a seasonal line of credit through winter to keep full staff, repaid through the peak season.
Post-Acquisition Ramp-Up
A new owner used a working capital loan to cover payroll and marketing while the just-bought hotel stabilized.
Off-Season Bridge
A motel owner covered a slow stretch and a surprise repair with fast working capital on revenue.
How I Match Hospitality Working Capital to the Right Lender
Hospitality cash flow is seasonal in a way most lenders do not underwrite well, and the right ones get it. I work with many, so I match your hospitality working capital to a lender who reads a seasonal revenue pattern correctly, usually a business line of credit for the swing or a working capital loan for a one-time gap, and I review the options with you before you commit.
Here’s the reality of running a hospitality property: the revenue is seasonal, but the costs are not. You make most of your money in a handful of peak months, yet payroll, utilities, insurance, marketing and the mortgage roll in all twelve. That off-season trough is where otherwise-healthy hotels, motels, resorts and inns get squeezed, and the worst move is laying off trained staff you will scramble to rehire in spring. Hospitality working capital solves that, and the key is that it is funded on your revenue and cash flow, not locked up in your real estate, so it does not touch your mortgage or your equity. For the predictable seasonal swing, a business line of credit is usually the right tool, because you draw only what you need in the slow months and repay it when occupancy returns, paying interest only on what you use. For a one-time need, a new property ramping up, a post-acquisition stabilization period after a hotel acquisition, a surprise repair or a weather-driven slow stretch, a working capital term loan delivers a lump sum fast. And when you carry unpaid group, event or corporate-contract invoices, invoice factoring advances that cash now on the payer’s credit. The point is to keep operating and keep your team through the trough so you open the next peak season strong.
The right structure depends on what you’re doing. Buying a hotel fast usually runs through a conventional SBA 7(a) loan, and broader options live across the SBA loan programs. The seasonal swing runs best on a business line of credit, a one-time gap or ramp-up on a working capital loan, and unpaid group or event receivables on invoice factoring. If you actually need to buy or refinance the property, that is a separate hotel real estate conversation, not working capital. If you want to own the building, an SBA 504 loan or commercial real estate loan gives long-term, fixed-rate terms. A brand-mandated renovation points to hotel renovation and PIP financing, and the ramp-up months are covered by working capital loans or a business line of credit.
So tell me how seasonal your revenue is and what you’re trying to cover, off-season payroll, a ramp-up, or a surprise gap, and I’ll tell you honestly whether a line of credit or a working capital loan fits better, match you to a lender who reads hospitality seasonality right, and fund it fast. For property and other hospitality financing, see my hotel and hospitality financing hub, 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 hospitality working capital?
How do I cover payroll through the off-season?
Line of credit or working capital loan, which is better?
Is hospitality working capital secured by my property?
How fast can I get hospitality working capital?
What does it cost to work with you?
A Broker Who Understands the Hospitality Season
I’m Kevin Kermeen, the nationwide commercial loan broker behind 75BizLoans.com, not a bank and not a lead-selling portal. Generic lenders see a seasonal revenue dip and get nervous. I work with lenders who underwrite the full-year hospitality cash-flow pattern and fund the off-season swing on revenue, fast, without touching your real estate, and knowing which lender reads your season right is the whole point of working with me. I personally review every application, I call you directly, and I never text. For program details, see the SBA’s 7(a) 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 get nervous about your off-season and leave you short on payroll. I match you to hospitality working capital built for the season … a business line of credit for the swing, a working capital loan for a gap or ramp-up, and invoice factoring for group and event receivables, all funded on your revenue, not your real estate. Get a same-day callback from a broker who reviews every deal himself.
Hospitality working capital, including business lines of credit, working capital term loans and invoice factoring, is underwritten on business revenue and cash flow rather than real estate. Amounts, rates, terms, advance rates and funding timelines vary by lender, product, creditworthiness, revenue and seasonality, and figures here are illustrative and not a commitment to lend. Property purchase, construction and refinance are separate real estate products. 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.