Hotel and Hospitality Financing
Financing for hotels, motels, restaurants and other hospitality assets.
What we finance
Independent and flagged hotels, motels, restaurants, catering and banquet facilities, and other hospitality property.
Why hospitality is different
A hotel or restaurant is an operating business attached to real estate, and it underwrites that way. Revenue moves with the season, the calendar and the local market in a way that an office lease does not. That makes hospitality harder for conventional lenders to price, and it is a common reason owners end up needing bridge or private capital instead.
Common situations
Funding a renovation or a brand-mandated property improvement plan. Bridging a seasonal cash flow gap. Acquiring a property on a short timeline. Refinancing a maturing loan when trailing operating numbers do not yet support a conventional refinance. Recovering a property from a distressed or pre-foreclosure position.
How the deal gets underwritten
Both sides get examined: the real estate on one hand, and the operating performance on the other. Trailing revenue, seasonality, the flag or lack of one, deferred maintenance and the equity position all factor in.
Programs that fit
Commercial hard money and rehab and bridge loans for short-term needs, cash-out refinance to access existing equity, permanent financing once the asset is stabilized, and foreclosure bailout if a loan is maturing or already in default.