Hotel Acquisition Financing Nationwide, Fast Conventional and Bridge to $100M
📈 Financing Built for Hotel BuyersI’m Kevin Kermeen, a nationwide commercial loan broker, not a bank. Hotel acquisition financing is won or lost on two things: speed and certainty of close. A seller takes the buyer who will actually close on time, not the highest bid that might fall apart, and a slow lender loses you the deal. I structure acquisitions to close fast and clean. I have conventional, private commercial real estate financing up to $100 million* to buy an operating hotel, bridge financing when you’re racing competing buyers or a 1031 deadline, and the structuring to handle an assumed flag or PIP, a portfolio roll-up, or an out-of-state purchase. No CMBS lag, no SBA paperwork drag. I match you to lenders who close hotel acquisitions.
Hotel Acquisition Financing for Every Kind of Buyer
Whether it’s your first hotel, a portfolio roll-up, a 1031 exchange, or a competitive deal you need to win fast, there’s a structure built for it. Here’s what hotel acquisition financing commonly covers.
Conventional Purchase (to $100M*)
Buy an operating hotel on conventional, private financing underwritten on the property and its revenue, fast and clean, no government paperwork.
Bridge to Win the Deal
Move fast on a competitive or time-sensitive purchase with bridge financing, then refinance into permanent terms.*
1031 Exchange Purchase
Buying into a hotel on a 1031 exchange timeline? I structure the acquisition to hit the deadline.
Portfolio Roll-Up
Acquire multiple hotels or add to a portfolio, structured for a multi-property buyer.
Assumed Flag and PIP
Buying a flagged hotel means an assumed franchise and often a required PIP. I structure the acquisition to account for both.
Value-Add Acquisition
Buy an underperforming hotel to reposition, with bridge financing on the upside and a refinance once stabilized.*
A Buyer Beat Three Competing Offers on a $16M Hotel by Closing in 21 Days
A buyer was one of four offers on a $16 million hotel, and the seller cared less about top price than about which buyer would actually close on time. The buyer’s bank quoted a 60-day timeline, which would have lost the deal to a faster competitor.
They called me. I matched the buyer to conventional, private acquisition financing with a lender who underwrote the hotel’s revenue fast and committed to a 21-day close. The certainty and speed won the deal over higher but slower offers, and the buyer took ownership on schedule.
That’s what winning a hotel acquisition looks like. Don’t Beg the Bank! Get funded instead.
Hotel Acquisition Financing, the Right Tool for Each Deal
Hotel acquisition financing isn’t one product, and the right structure depends on the deal: how fast you need to close, whether you’re competing, and how the purchase is set up. You have real choices. I match you to the one that fits, tap any to explore it.
Commercial Real Estate
Conventional, non-SBA acquisition financing to buy an operating hotel up to $100 million* on qualified deals.
See SBA 7(a)Bridge Financing
Win a competitive or time-sensitive purchase with a fast bridge close, then refinance to permanent.*
See bridge optionsSBA 504 and Real Estate
Own the hotel you operate with long-term, fixed-rate commercial real estate financing.
See SBA 504FF and E and PIP
Buying a flagged hotel with a required PIP? Fold the FF and E and renovation into the acquisition plan.
See renovation and PIPWorking 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 Hotel Acquisition Financing
Hotel acquisition financing turns on the deal and the target property. Conventional lenders underwrite the hotel you’re buying, its revenue, ADR and occupancy, and the strength of the transaction, so a sound deal with a credible buyer can close fast without CMBS or SBA. Speed and a clean file are what win competitive purchases. I qualify deals honestly.
✅ What helps you qualify
- ✔An operating hotel under contract or LOI, with a deal a lender can underwrite.
- ✔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
- →Acquisitions are underwritten on the target hotel’s revenue and the deal, and structured to close fast.
- →1031, portfolio and out-of-state buyers fit; I structure the purchase around your timeline.
- →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 Hotel Acquisition 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 acquisition 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 Acquisition Financing From My Desk
A snapshot of the hotel acquisition financing I match to lenders nationwide, deal by deal. Every hotel and deal is different, yours starts with a conversation.
Hotel Acquisition Financing · Fast Close
A buyer beat three competing offers on a $16M hotel by committing to a 21-day conventional close.
1031 Exchange
A buyer acquired a hotel on a tight 1031 exchange timeline, structured to hit the identification and closing deadlines.
Portfolio Add
An operator added a third hotel to a growing portfolio with conventional acquisition financing.
How I Match Hotel Acquisition Financing to the Right Lender
Hotel acquisitions are won on speed and certainty, and lenders differ sharply on how fast they actually close. I work with many, so I match your hotel acquisition financing to the lender most likely to close your specific deal on time, usually conventional financing up to $100 million* or a bridge when you are competing or on a 1031 clock, and I review the options with you before you commit.
Here’s the reality of a hotel acquisition, and what most buyers learn the hard way. Sellers do not simply take the highest offer, they take the offer most likely to actually close, on time, without falling apart in financing. So your financing is not just how you pay for the hotel, it is how you win it. A slow lender quoting 60 days loses you the deal to a buyer who can close in three weeks. I structure acquisitions for speed and certainty: conventional, private financing up to $100 million* underwritten on the target hotel’s revenue and the strength of the deal, or bridge financing when you are racing competing buyers or a 1031 exchange deadline, then refinanced into permanent terms. Buying an operating hotel also means buying a going concern, its revenue, ADR and occupancy, plus any assumed franchise flag and the Property Improvement Plan that often comes with a brand transfer, so the acquisition has to be structured to absorb that PIP rather than be blindsided by it. Portfolio roll-ups and out-of-state purchases fit too. According to the U.S. Small Business Administration, its 504 program is available for owner-occupied commercial real estate when a smaller hotel acquisition fits that route.
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 purchase itself is a conventional commercial real estate loan up to $100 million* on qualified deals, a competitive or 1031 deal that needs speed runs on bridge financing, and an assumed flag’s required PIP renovation is folded into the acquisition plan rather than left as a surprise. 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 about the deal, the hotel you’re buying, your timeline, whether you’re competing or on a 1031 clock, and any assumed flag or PIP, and I’ll tell you honestly which hotel acquisition financing closes it fastest, match you to a lender who will actually hit your date, and stay with you through closing. Buying a larger resort or a design-driven boutique hotel? Those have their own pages. For the full picture of buying a hotel or 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 hotel acquisition financing?
How fast can you close a hotel acquisition?
Can you finance a hotel purchase on a 1031 exchange?
What about an assumed franchise flag and a required PIP?
Can I finance a portfolio or multiple hotel acquisitions?
What does it cost to work with you?
A Broker Who Gets You to the Closing Table on Time
I’m Kevin Kermeen, the nationwide commercial loan broker behind 75BizLoans.com, not a bank and not a lead-selling portal. A hotel acquisition is won at the closing table, on time. I work with conventional and bridge lenders who actually commit to a date and close fast up to $100 million* without CMBS or SBA drag, and matching you to the one who will hit your deadline, and structuring around any assumed flag or PIP, 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 quote you 60 days and cost you the hotel. I match you to hotel acquisition financing built to win … conventional purchase financing up to $100 million* and fast bridge financing that closes on your timeline, structured around 1031 deadlines, portfolio roll-ups and any assumed flag or PIP. Get a same-day callback from a broker who reviews every deal himself.
Hotel acquisition financing through conventional commercial real estate and bridge financing is available up to $100 million on qualified transactions. Closing timelines are estimates and depend on appraisal, title, underwriting and document turnaround. 1031 exchange deadlines are set by the IRS; consult your qualified intermediary and tax advisor. *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.