HOSPITALITY · ALL 50 STATES

Hotel & Hospitality Loans Nationwide

Hotel and motel financing pathways—SBA, conventional, permanent & bridge—for owner-operators and investors. Texas-based Expo Lending, all 50 states. Subject to underwriting.

Working a hotel acquisition or refi?

Aiden Fahimi, Broker | Mortgage Advisor (NMLS #1943973) · Expo Lending LLC · NMLS #2619446
Send T12, flag/PIP notes, and loan size needed.

Call (877) 732-4464 Text (713) 885-3944 Contact form

Hotels and motels are underwritten as operating businesses that own real estate. Trailing revenue, occupancy/ADR/RevPAR trends, franchise or independent status, and PIP requirements matter as much as the appraisal. Expo Lending assists with hospitality financing pathways in all 50 states. Loan sizes generally start around $500,000(bridge/private capital commonly from about $1,000,000), subject to underwriting.

Common Structures

SBA 7(a) / 504 Often considered for owner-operators—especially smaller or independent assets—when occupancy rules are met. Special-purpose equity requirements are typically higher than standard CRE. See SBA loans.
Conventional / bank Experienced operators and flagged assets may fit bank appetite with term and amortization suited to hospitality risk.
CMBS / permanent Stabilized flagged hotels may pursue non-recourse securitized or permanent structures when metrics clear.
Bridge / hard money PIP periods, flag changes, lease-up, or purchase timing—see bridge and hard money.

What Helps a Term Sheet

  • Trailing-12 and multi-year P&L
  • STR or market reports for flagged properties when available
  • Franchise agreement and PIP budget
  • Sponsor hospitality experience and personal financial statements

Subject to underwriting: Exterior-corridor, independent, and turnaround hotels can be financeable but are more selective. We will be direct if a file is unlikely to clear.

Related pages

Hospitality Loan FAQs

What hotel loan sizes do you work?

Hospitality files generally start around $500,000. Bridge and private capital often start around $1,000,000—subject to underwriting.

Can first-time hotel owners qualify?

Possible on some owner-operator paths (including certain SBA structures) when management experience and the business plan support it—subject to underwriting.

Are independent motels eligible?

They can be, often via owner-operator or transitional capital rather than the tightest permanent boxes. Deal-specific.

Do you finance hotels nationwide?

Yes. Expo Lending is Texas-based and may assist with hospitality financing in all 50 states, subject to underwriting.

Discuss hospitality financing

Mon–Fri 9 AM–6 PM Central · Nationwide business-purpose lending

Call (877) 732-4464 Text (713) 885-3944

Equal Housing Opportunity. Expo Lending LLC, NMLS #2619446. Aiden Fahimi, Broker | Mortgage Advisor, NMLS #1943973. 1000 Main St, Suite 2300 PMB 1161, Houston, TX 77002. Office (877) 732-4464 · Direct/Text (713) 885-3944. Commercial and business-purpose loan programs, guidelines, amounts, and availability vary by state and underwriting. This is not a commitment to lend. NMLS Consumer Access: nmlsconsumeraccess.org.