🏨 Hotel Commercial Real Estate Loans
SBA & Conventional Financing for Hotels, Motels, and Hospitality Properties
MFG Loans provides specialized commercial real estate financing for the hotel and hospitality industry, including SBA 7(a), SBA 504, and conventional hotel loans. Whether you’re purchasing a hotel, refinancing a maturing loan, consolidating debt, or acquiring an additional property, we help hotel owners secure funding even when traditional banks say no.
Hotels are often declined by banks due to cash‑flow volatility, credit challenges, environmental risk, or strict underwriting requirements. That’s where we shine.
We understand the hospitality business model — occupancy swings, ADR fluctuations, franchise requirements, PIP obligations, and the capital‑intensive nature of hotel ownership. Our programs are built for real‑world operators who need real‑world solutions.
💡 Why Hotel Owners Choose MFG Loans
✅ Fast Approvals
✅ Nationwide Coverage
✅ Dedicated Support
Hotel owners often get declined by banks due to:
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Credit score below bank thresholds
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DSCR below 1.15x
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Tax returns that don’t show enough cash flow
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Limited hotel management experience
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Franchise PIP requirements
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High‑risk market or flagged property concerns
Traditional lenders see these as reasons to decline. We see them as opportunities to help real operators grow.
We understand the hospitality industry, the cash‑flow cycles, and the operational challenges — and we structure loans around the real story behind your business.
🔥 Loan Programs We Offer for the Hotel Industry
SBA 7(a) Hotel Loans
A flexible option for hotel buyers and operators needing lower down payments and longer terms.
Common uses:
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Hotel purchase
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Business + real estate combined financing
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Partner buyouts
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Renovations, upgrades, and PIP improvements
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Working capital included in the loan
Industry‑standard terms:
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Loan amounts typically up to $5M
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Down payments as low as 10%–25%
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Up to 25‑year amortization on real estate
SBA 504 Hotel Loans
Ideal for real‑estate‑heavy hotel transactions and long‑term stability.
Common uses:
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Real estate purchase
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Construction or major renovations
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Expansion to additional properties
Benefits:
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Low fixed interest rates
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Long amortization
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Strong option for owner‑occupied hotels
Conventional Hotel Loans
For established operators or stronger financial profiles.
Common uses:
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Purchase loans
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Refinance of maturing loans
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Cash‑out refinance
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Debt consolidation
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Acquisition of additional hotels
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PIP improvements and rebranding
Benefits:
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Faster approvals
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Competitive rates
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Flexible structures
Additional Loan Types & Structures
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Bridge loans (fast closings, short‑term capital)
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CMBS hotel loans for stabilized properties
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Construction loans (ground‑up or major renovation)
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Franchise‑backed hotel loans
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Equipment financing (laundry, kitchen, HVAC, technology)
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Working capital loans
🚀 Ready to Finance Your Hotel?
Your hotel deserves a lender who understands hospitality.
Whether you’re buying, refinancing, renovating, or expanding, MFG Loans is here to help you secure the capital you need — even when traditional banks say no.
Take the first step today:
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Fill out our quick contact form
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Speak with a hotel‑financing specialist
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Get a customized loan strategy for your property
Your business keeps travelers moving. We’re here to keep you moving.