Guides
Specific questions hotel buyers and owners ask before they apply
Quick answer
Hotels can use SBA 7(a) and 504 loans when more than 50% of prior-year revenue comes from guests staying 30 days or less. The guides below cover what changes with a flag, how a PIP or conversion gets funded, how lenders judge experience, and where rates sit in 2026. Axiant Partners, a broker in Boca Raton, matches hotel buyers with lenders.
Start with the hotel financing guide for SBA eligibility, equity and a worked purchase. For the program comparison, see SBA vs CMBS vs bank hotel loans.
Flagged vs independent hotel SBA loans: the Franchise Directory rule, management agreements, what lenders review for each, and a computed equity example.
Read moreHotel experience for an SBA loan: what the SOP requires, what lenders commonly ask, how to show it with a GM or manager, and the Business Expansion rules for owners.
Read moreHotel flag conversion financing: conversion costs, the FDD 14-day rule, the SBA Franchise Directory, the 51% real estate term rule, and a computed DSCR example.
Read moreHotel PIP financing with an SBA loan: rolling the PIP into a purchase, how FF&E vs building work sets the term, bonds over $350,000, and a computed example.
Read moreHotel loan rates in November 2026: SBA 7(a) capped at 10.00%, 504 about 7.0-8.1% blended, CMBS 7.5-9.0%, bridge 9-12%, with payments and fees.
Read moreCall (561) 268-0465, or tell us about the hotel and we'll match you with lenders that finance your kind of property.