Hospitality Business Loans

Running a hotel, restaurant, bar, or event venue takes constant investment. Between staffing, inventory, guest experience, and seasonal swings, cash flow can tighten quickly. Our hospitality business loans are built to help you keep rooms booked, tables full, and operations running smoothly without sacrificing service quality.

Why Hospitality Businesses Turn to Business Loans

Hospitality moves quickly. One broken walk-in cooler, a slower season, or a big event opportunity can create an immediate need for capital. Our hospitality business loans give you flexible access to cash so you can act when it matters, instead of waiting on lengthy bank decisions.

Use funding to refresh guest rooms, upgrade POS systems, launch new menus, expand outdoor dining, or cover payroll in between busy periods. We understand how restaurants, hotels, cafés, bars, and catering companies actually operate, so our programs are designed around daily realities like card sales, reservations, and seasonal demand.

If you need a hotel business loan the same day or a revolving option for ongoing expenses, we work with you to match the right product to your cash flow, not the other way around.

Minimum Requirements for Hospitality Business Funding

To qualify for a hospitality business loan, your company should meet these basic guidelines:

Minimum Revenue	$10,000 / month
Length in Business	5 months or more
Ownership %	Minimum of 51% Ownership
Personal Credit	US FICO 500+

Types of Hospitality Business Loan Options

Small Business Loan

A traditional small business loan gives hospitality owners a lump sum to handle larger projects. Use it to remodel guest rooms, upgrade kitchen equipment, build a patio, or expand into a new location. Fixed terms and predictable payments make it easier to plan around occupancy and reservation trends.

Merchant Cash Advance

If your restaurant, bar, or hotel processes steady credit and debit card sales, a merchant cash advance can provide funding based on those future receipts. This option works well when you need cash quickly and want payments to move up or down with your sales volume, such as during peak tourist seasons.

Business Line of Credit

A business line of credit is useful for ongoing, smaller needs like inventory, vendor invoices, overtime pay, or last-minute event costs. Draw funds when you need them, repay as revenue comes in, and keep the line ready for the next opportunity or emergency. You only pay interest on what you actually use.

Collateral Loans

If your hospitality business owns valuable assets such as property, vehicles, or major equipment, a collateral loan can unlock larger amounts of capital at more favorable rates. This is a strong option for big upgrades, acquisitions, or complete property renovations that require substantial investment.

Bad Credit Business Loans

Past challenges should not permanently limit your ability to grow. Our bad credit business loan options support hospitality owners who may not qualify with traditional banks. We focus on current performance and cash flow, not just a score, helping you stabilize operations and rebuild credit over time.

Hospitality Loan Services

We know hospitality is a people-focused industry where guest experience matters as much as margins. Our hospitality loan services are tailored to help you manage both. Whether you operate a boutique hotel, busy restaurant, bar, food truck, or banquet hall, we provide funding solutions aligned with your occupancy patterns, event calendar, and operating costs.

Our process is simple: complete a short application, share recent financials, and review your options with our team. From working capital to expansion funding, we can structure terms that fit your revenue cycles and keep your cash flow healthy. With clear pricing, flexible repayment, and quick decisions, you can focus on service while we focus on financing.

Who We Serve

Frequently Asked Questions

What is the process for getting a hospitality business loan?

Start by submitting a short online application with basic business details and recent bank statements. Our team reviews your information, discusses your goals, and presents available loan options. Once you select a program and sign the agreement, funds can often be deposited in just a few business days, sometimes sooner.

What are the repayment terms for a hospitality business loan?

Repayment terms vary by product and loan amount. Some options feature daily or weekly payments that align with your card sales, while others use fixed monthly payments over a set term. During the approval process, we’ll outline the exact schedule and structure so you know your obligations before you accept.

Can I apply for a hospitality business loan if my credit score is low?

Yes. While credit is one factor, it is not the only one. We also consider revenue, time in business, and the overall health of your operation. Many hospitality owners with past credit issues are still able to qualify for funding tailored to their current situation.

What are the eligibility requirements for a hospitality business loan?

In most cases, you’ll need to meet the minimum revenue level, have been operating for at least five months, and hold at least 51% ownership. You should also be able to show consistent deposits or card sales. Specific requirements depend on the loan type, and we will review them with you during your consultation.