Hospitality SBA Loans

Hotels, motels, resorts, event venues, and medical lodging all share the same challenge: big fixed costs even when rooms are empty. Our hospitality SBA loans are designed to help you manage staffing, maintenance, marketing, and upgrades while you focus on guest experience. Whether you need an SBA loan for hotel business growth or funding tied to a hospitality-focused medical facility, we can help you access capital that fits your property.

Hospitality SBA Loans

We work with owners and operators across the hospitality sector limited service, full service, boutique, extended stay, and specialty lodging. To get hospitality SBA loan options, you complete a short online application, share recent financial information, and review offers built around your occupancy patterns and event calendar.

Funds from an SBA loan for hotel business or hospital-adjacent lodging can be used for room refreshes, lobby remodels, technology improvements, marketing campaigns, or working capital during slower seasons. Whether you oversee a single property or a portfolio of locations, we aim to structure payments so they line up with how revenue actually comes in.

Minimum Requirements for Business Funding in Hospitality

To be considered for SBA-style hospitality funding, your business 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 Small Business Loans in Hospitality

Small Business Loan

A term loan that can cover renovations, FF&E, staff costs, property improvements, and opening or expansion expenses. This option works well for operators seeking a straightforward SBA loan for hotel business or medical lodging project with fixed payments.

Merchant Cash Advance

Financing based on future deposits. This can be useful when a property needs quick money for an urgent repair, a time-sensitive marketing push, or last-minute event preparation while waiting for group, OTA, or insurer payments to arrive.

Business Line of Credit

A revolving facility that can support seasonal dips, bulk linen or amenity purchases, conference setups, or short-notice events. You draw what you need and repay as bookings clear, making it a flexible partner to longer-term hospitality SBA loans.

Collateral Loans

Loans backed by real estate, vehicles, laundry systems, kitchen equipment, or other significant assets. This structure can support major projects like adding rooms, building a new wing, or acquiring another property with SBA-style terms.

Bad Credit Business Loans

Programs designed for owners whose credit was impacted by shutdowns, downturns in travel, or previous renovations. These solutions can help stabilize operations now and put you on a path toward stronger SBA eligibility later.

Hospitality Loan Services

Our hospitality loan services are shaped around occupancy trends and booking windows, not just generic business cycles. We look at your mix of leisure, corporate, and group guests, along with average daily rate and length of stay, then recommend structures intended to complement those patterns rather than fight them.

Capital can be directed toward guest-room upgrades, common-area redesigns, property-management or booking system improvements, shuttle vehicles, wellness amenities, or hospitality spaces tied to a medical facility that wants an sba loan for hospital lodging or recovery unit. Whatever your concept, the goal is to supply financing that supports higher guest satisfaction and long-term property value.

Who We Serve

Frequently Asked Questions

What is the process for getting a hospitality SBA loan?

You’ll start by completing a short online form and sharing recent bank statements plus basic property or facility financials. We also review ownership details and a snapshot of your occupancy and revenue history. From there, our team evaluates your information and presents several hospitality SBA loans that align with your goals whether you want an SBA loan for hotel business upgrades, to acquire another property, or to support an sba loan for hospital-related lodging.

What can I use a hospitality business loan for?

Proceeds from a hospitality loan are flexible and can cover most operating and improvement needs. Owners often use funding for guest-room renovations, lobby or common-area updates, furniture and décor, reservation and property-management systems, shuttle vehicles, or marketing campaigns to drive bookings

Can I qualify if my property is still building its occupancy and reputation?

Yes many newer hotels and hospitality-focused facilities are still eligible as long as they meet minimum revenue and credit guidelines. When you apply to get hospitality SBA loan support, we look at more than just how long you’ve been open: location, brand strength, management experience, early booking trends, and local demand all matter.

What documents are needed to get hospitality SBA loan approval or an SBA loan for hotel business or hospital lodging project?

Most programs require recent bank statements, a profit-and-loss statement, ownership documentation, and government-issued ID. For property-based deals, you’ll typically provide occupancy reports, ADR or revenue summaries, details on any existing mortgages or liens, and information on the building or land.

Hospitality SBA Loans