Hotel Financing Nationwide, Conventional Real Estate to $100M
🏨 Financing Built for Hotel OwnersI’m Kevin Kermeen, a nationwide commercial loan broker, not a bank. Hotel financing is where most owners get squeezed: banks move too slow, CMBS desks treat you like a file number, and SBA drags for months. Here’s the better path. I have conventional, private commercial real estate financing up to $100 million* to buy, build, refinance or reposition a full-service or limited-service hotel, fast and without the government red tape. Need a bridge for a deal with a clock, a cash-out refi, or a takeout for a maturing CMBS loan? Covered. And the SBA 504 route is there when it fits a smaller property. I match you to lenders who fund hotels.
Hotel Financing for Every Move on the Property
Whether you’re buying a hotel, building ground-up, refinancing a maturing loan, or bridging a time-sensitive deal, there’s a path built for it… and for most of it you do not need CMBS or SBA. Here’s what hotel financing commonly covers.
Buy a Hotel (Conventional to $100M*)
Conventional, private financing to buy a full-service or limited-service hotel, underwritten on the property and its revenue, fast, no government paperwork.
Build New (Construction)
Ground-up construction and development for a new hotel, drawn in stages from the pad through opening.
Refinance and Cash-Out
Lower your rate, pull equity, or take out a maturing CMBS or bank loan with a clean conventional refinance.
Bridge Financing
Move fast on a time-sensitive acquisition, a repositioning, or a deal where the prior financing fell through.*
Renovation and PIP
Fund a brand-mandated Property Improvement Plan or a full renovation, fast, before the franchisor deadline.
SBA 504 (When It Fits)
For a smaller or owner-occupied hotel, the lower-down-payment, long-term fixed-rate government route if you want it.
A Hotel Owner Took Out a Maturing $24M CMBS Loan With Conventional Financing in 26 Days
A hotel owner had a $24 million CMBS loan ballooning due with no refinance lined up. The original CMBS shop would not extend, banks moved too slow, and a maturity default would have put the property at risk.
They called me. I matched the owner to conventional, private commercial real estate financing underwritten on the hotel and its revenue, with a fast close that took out the maturing CMBS loan in 26 days. They kept the property, locked in clean terms, and never touched a government program.
That’s what the right hotel match looks like. Don’t Beg the Bank! Get funded instead.
Hotel Financing, the Right Tool for Each Need
Hotel financing isn’t one product, and you have a real choice between fast conventional financing, a bridge, and the SBA route. The right structure depends on what you’re doing. 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)Construction and Development
Build a new hotel ground-up, construction and development financing drawn in stages.
See construction loansSBA 504 and Real Estate
Own the hotel you operate with long-term, fixed-rate commercial real estate financing.
See SBA 504FF and E Financing
Furniture, fixtures and equipment for the room and lobby refresh, with the equipment as collateral.
See equipment financingWorking 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 Financing
Hotel financing is its own world. Conventional hotel lenders underwrite the property, its revenue and occupancy, and the deal, not just years of personal tax returns, so an owner with a solid property and decent credit can close fast without CMBS or SBA. The right lenders read hotel cash flow and the deal correctly. I qualify deals honestly.
✅ What helps you qualify
- ✔A hotel to buy, build, refinance or reposition, with a credible plan.
- ✔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
- →Conventional hotel financing is underwritten on the property and revenue, and closes fast, no CMBS.
- →You choose: fast conventional up to $100 million*, a bridge for speed, or SBA 504 if it fits.
- →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 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 Financing From My Desk
A snapshot of the hotel financing I match to lenders nationwide, property by property. Every hotel and deal is different, yours starts with a conversation.
Hotel Financing · CMBS Takeout
An owner refinanced a maturing $24M CMBS loan with conventional financing in 26 days, no government program.
Conventional Acquisition
A buyer purchased a limited-service hotel on conventional, non-SBA financing with a fast close.
Bridge and Reposition
An operator bridged a value-add hotel purchase, repositioned it, and refinanced into permanent terms.
How I Match Hotel Financing to the Right Lender
Hotel lending is specialized, and lenders differ sharply on property type, flag, location and deal size. I work with many, so I match your hotel financing to the right one, usually fast conventional financing up to $100 million* to buy, build or refinance, a bridge when speed matters, or SBA 504 when it fits a smaller property, and I review the options with you before you commit.
Here’s the reality for a hotel owner, and the part most broker sites bury. When you buy, build or refinance a hotel, you have a few very different paths, and the one you are usually steered toward is not the one that serves you best. Big flagged hotels often run through CMBS, a slow, rigid, securitized market where you are one loan in a pool and an extension or a workout is painful, which is exactly why maturing CMBS loans become a crisis when the balloon comes due. Banks, meanwhile, push smaller owners toward SBA paperwork that drags for months. The path most owners are never shown is conventional, private commercial real estate financing up to $100 million* that underwrites the property and its revenue, closes in weeks, and keeps the red tape out of your deal, including a clean takeout for a maturing CMBS or bank loan. When a purchase or a repositioning has a deadline, bridge financing moves fast and is later refinanced into permanent terms. The SBA 504 route stays on the table when it genuinely fits a smaller or owner-occupied hotel. According to the U.S. Small Business Administration, its 504 program is designed for owner-occupied commercial real estate.
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. Buying or refinancing the hotel fast and without CMBS or SBA strings is a commercial real estate loan, conventional and up to $100 million* on qualified deals, while building new runs through construction and development financing, and the room refresh or a brand-mandated PIP renovation through FF and E and renovation financing. 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 what you’re doing with the hotel, buying, building, refinancing, bridging or repositioning, and whether you’re racing a CMBS maturity or a PIP deadline, and I’ll tell you honestly which hotel financing fits, match you to a lender who can fund it fast, and stay with you through closing. For other property types or 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 financing?
Do I have to use CMBS or SBA to finance a hotel?
My CMBS loan is maturing with no exit. Can you help?
How fast can conventional hotel financing close, and how much leverage?
Do you finance independent hotels, or only flagged brands?
What does it cost to work with you?
A Broker Who Knows the Conventional Side, Not Just CMBS
I’m Kevin Kermeen, the nationwide commercial loan broker behind 75BizLoans.com, not a bank and not a lead-selling portal. Most brokers only know the CMBS or SBA playbook for a hotel. I work with the conventional and bridge real estate lenders too, the ones who close fast up to $100 million* without government strings or a securitized pool, and knowing when to use conventional, a bridge or SBA 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 leave you stranded when your CMBS loan balloons due. I match you to hotel financing built for owners who want options … conventional real estate up to $100 million* without the CMBS or SBA red tape, fast bridge financing, construction, a clean takeout for a maturing loan, and the SBA 504 route only when it fits. Get a same-day callback from a broker who reviews every deal himself.
Hotel financing through conventional commercial real estate, construction and development is 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.