Financing for Hospitality – SBA, Private Credit & More
SBA Loans, DSCR Financing & Equipment Capital for Hotels, Motels & Short-Term Rentals
Capital Built for Hospitality Businesses
PeerSense connects hospitality operators—from boutique hotels to Airbnb portfolios—with tailored financing solutions. Whether you're acquiring a 50-room property via SBA 7(a), refinancing a short-term rental portfolio with DSCR loans, or upgrading kitchen equipment, we match you with the right lender structure. Our network includes SBA Preferred Lenders, private DSCR specialists, and equipment lessors who understand seasonal cash flow and franchise flag requirements.
Key Products for Hospitality
Rate estimates as of March 2026. Actual rates vary by lender, deal size, and borrower profile.
SBA 7(a) Hotel Acquisition
9.25–10.25%Finance hotel, motel, or resort purchases with up to 90% LTV. Covers acquisition, working capital, and FF&E upgrades.
SBA 504 Owner-Occupied Property
~5.80%Long-term fixed-rate financing for owner-occupied hospitality real estate. Ideal for boutique hotels and B&Bs.
DSCR & Bridge Loans
7–10%Fast funding for short-term rentals, Airbnb portfolios, and property repositioning. No personal income verification.
Equipment Financing
6–9%Finance kitchen equipment, HVAC systems, laundry facilities, POS systems, and furniture packages.
Working Capital
Factor 1.15–1.45Revenue-based financing for seasonal cash flow gaps, marketing campaigns, and staffing needs. Fast approval.
Mezzanine & Private Credit
12–18%Subordinated debt for large acquisitions, portfolio expansion, or refinancing. Flexible structures for experienced operators.
✦ Rate ranges are estimates based on March 2026 benchmarks (Prime 6.75%, 10-Yr Treasury 4.35%). Actual lender rates vary. PeerSense is a connector — no direct lending, no upfront fees. View live rates →
Do You Qualify?
- U.S. citizenship required for SBA programs (100% as of March 2026)
- 680+ credit score (SBA); 620+ for DSCR/bridge
- 2+ years operating history preferred; startups considered with strong franchise flag
- DSCR ≥1.25x for conventional; ≥1.0x for DSCR loans
- Franchise flag registry check (SBA Directory) if applicable
- Property appraisal and environmental Phase I required for real estate
Anonymized — for illustrative purposes only
SBA 7(a) hotel acquisition with seller note structure. 48-room property in secondary market. Borrower had 15 years hospitality experience.
Closed in 62 days with 10% down payment
Compare Loan Types Side-by-Side
All rate estimates as of March 2026. Actual rates vary by lender, credit profile, and deal structure.
| Loan Type | Best For | Loan Range | Est. Rate (Mar 2026) | Term | Speed | Down Payment | Key Requirement | Learn More |
|---|---|---|---|---|---|---|---|---|
| SBA 7(a)Recommended | Business acquisition, working capital, expansion | $50K–$5M | 9.25–10.25% | 10–25 years | 45–90 days | 10–20% | U.S. citizenship, 680+ credit | Learn More |
| SBA 504 | Owner-occupied real estate & equipment | $125K–$5.5M | ~5.80% | 10–25 years | 60–120 days | 10% | 51%+ occupancy, job creation | Learn More |
| Equipment Financing | Machinery, vehicles, tech hardware | $10K–$5M | 6–9% | 3–7 years | 7–21 days | 0–20% | Equipment as collateral | Learn More |
| Working Capital | Short-term cash flow, inventory, payroll | $5K–$500K | Factor 1.15–1.45 | 3–18 months | 1–7 days | 0% | $100K+ annual revenue | Learn More |
| Bridge Loan | Quick property acquisition, refinance gap | $100K–$10M | 7–12% | 6–24 months | 5–15 days | 20–35% | Exit strategy required | Learn More |
| DSCR Loan | Rental property investors (no income docs) | $75K–$5M | 7–10% | 15–30 years | 15–30 days | 20–25% | DSCR ≥1.0x | Learn More |
| Mezzanine | Growth capital, acquisitions (subordinated) | $500K–$50M | 12–18% | 3–7 years | 30–60 days | Varies | Strong EBITDA, equity kicker | Learn More |
SBA 7(a)
RecommendedBusiness acquisition, working capital, expansion
$50K–$5M
9.25–10.25%
10–25 years
45–90 days
10–20%
U.S. citizenship, 680+ credit
SBA 504
Owner-occupied real estate & equipment
$125K–$5.5M
~5.80%
10–25 years
60–120 days
10%
51%+ occupancy, job creation
Equipment Financing
Machinery, vehicles, tech hardware
$10K–$5M
6–9%
3–7 years
7–21 days
0–20%
Equipment as collateral
Working Capital
Short-term cash flow, inventory, payroll
$5K–$500K
Factor 1.15–1.45
3–18 months
1–7 days
0%
$100K+ annual revenue
Bridge Loan
Quick property acquisition, refinance gap
$100K–$10M
7–12%
6–24 months
5–15 days
20–35%
Exit strategy required
DSCR Loan
Rental property investors (no income docs)
$75K–$5M
7–10%
15–30 years
15–30 days
20–25%
DSCR ≥1.0x
Mezzanine
Growth capital, acquisitions (subordinated)
$500K–$50M
12–18%
3–7 years
30–60 days
Varies
Strong EBITDA, equity kicker
Rates are benchmarks only. PeerSense connects you to 500+ lender sources — no upfront fees.
Ready to Fund Your Hospitality Business?
PeerSense matches you with the right lender from a network of 500+ sources — SBA, private credit, equipment lenders, and more. No upfront fees, ever.
Rates estimated as of March 2026; actual rates vary by lender, deal size, and borrower profile. PeerSense is a capital connector only — no direct lending. No upfront fees. SBA loans require 100% U.S. citizenship as of March 2026.