SBA 7(a) HOTEL & MOTEL LOANS

The SBA 7(a) loan program, which supports over $1 billion in hotel loans each year, is a key financing tool for small business owners looking to enter or expand in the hospitality industry. With government-backed security and flexible terms, this program offers an accessible pathway to acquiring capital for hotel purchases, renovations, or operations.

Loan Amount

Access to up to $5 million in financing to support your business’s growth and long-term success.

Longer Repayment Terms

SBA 7(a) loans offer flexible repayment terms: up to 10 years for working capital, equipment, and general business purposes, and up to 25 years for real estate purchases. Loans under 15 years can be repaid anytime without penalties, while those over 15 years have prepayment penalties in the first three years: 5% in year one, 3% in year two, and 1% in year three. After three years, repayment is penalty-free, offering flexibility and control over your loan schedule.

Lower Down Payments

SBA 7(a) loans require less upfront capital than traditional loans, as low as 10%, allowing you to invest in property, equipment, or renovations without straining your cash flow.

Interest Rates

Benefit from the lower interest rates available with SBA 7(a) loans to reduce your overall financing expenses. The government’s guarantee allows us to offer rates that are more competitive than those from conventional lenders.