SBA 504 Loans for Hotels Long-Term, Fixed-Rate Financing
Secure stable, low down payment financing for hotel acquisitions, refinancing, and owner-occupied properties—with long-term fixed rates designed for growth.
What Can SBA 504 Hotel Loans Be Used For?
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Hotel Acquisition
Purchase owner-operated hotel properties
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Refinance
Replace existing debt with long-term fixed rates
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Renovation & Improvements
Upgrade property condition and guest experience
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Partner Buyouts
Restructure ownership and buy out partners
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Construction
Build new hotel properties or expand existing ones
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Owner-Occupied Real Estate
Finance properties where you operate the business
SBA 504 Loan Program Overview
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Structure:
Bank loan + SBA second lien
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Loan Amount:
Typically up to $5M (SBA portion)
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Down Payment:
As low as ~10%
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Term:
10, 20, or 25 years
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Rates:
Fixed on SBA portion
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Use:
Primarily real estate & fixed assets
* Loan structure and terms vary based on borrower profile, property performance, and deal specifics.
Designed for Long-Term Ownership & Stability
SBA 504 loans are best suited for hotel owners focused on long-term performance. With predictable payments and fixed rates, this program allows you to plan ahead while protecting your investment from interest rate volatility.
Key Advantages:
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Fixed-rate financing for long-term stability
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Lower equity requirements than conventional loans
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Ideal for established operators
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Supports large real estate investments
What to Know Before Applying
SBA 504 loans are structured for owner-operators and businesses actively using the property.
Typical Requirements:
Owner-occupied property (generally 51%+ occupancy)
Strong financials and operating history
Personal guarantee for principal owners
Business must meet SBA eligibility guidelines
Is SBA 504 Right for Your Deal?
While SBA 504 loans offer strong long-term benefits, they may not be the right solution for every situation.
This program may not be suitable if:
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You are a passive investor
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You need flexible use of funds beyond real estate
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You require fast, short-term financing
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You need maximum leverage beyond standard requirements
Our SBA Loan Process
Submit Your Deal
Provide your property and financial details
Structure Financing
We align bank + SBA components for your deal
Secure Terms
Receive clear loan options and next steps
Close and Fund
Move through closing with expert guidance
Trusted by Hotel Owners Nationwide
We were struggling to secure financing for a hotel acquisition, but their team structured a deal that worked when others couldn’t. The process was smooth, communication was constant, and we closed faster than expected. Highly recommend for any hotel investor.
Northern California
What stood out most was their speed and expertise. They understood our deal immediately and presented multiple financing options within days. We closed in under 60 days and couldn’t be happier with the terms.
Texas
They helped us refinance our property and pull out capital for expansion. The entire experience felt strategic, not transactional. You can tell they specialize in hotels—they know how to get deals done.
Florida
