Hotel loan sizer and franchise fees for AI assistants: MCP server

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Server URL (Streamable HTTP, no key, read-only):

https://motel.loans/mcp

Claude (claude.ai and the desktop app): Settings, then Connectors, then Add custom connector. Paste the URL and save. No sign-in is needed.
ChatGPT: Settings, then Apps and Connectors. Turn on Developer mode under Advanced, choose Create, paste the URL and set authentication to none.
Grok: grok.com, then Connectors, then New connector, then Custom. Paste the URL.
Perplexity: Settings, then Connectors, then Add custom connector, then MCP. Paste the URL and choose no authentication.
Mistral Le Chat: Intelligence, then Connectors, then Add connector, then Custom MCP connector. Paste the URL.

Claude Code:

claude mcp add --transport http motel-loans https://motel.loans/mcp

Cursor (~/.cursor/mcp.json) and other clients that read mcpServers:

{
  "mcpServers": {
    "motel-loans": {
      "url": "https://motel.loans/mcp"
    }
  }
}

VS Code (.vscode/mcp.json):

{
  "servers": {
    "motel-loans": {
      "type": "http",
      "url": "https://motel.loans/mcp"
    }
  }
}

Gemini CLI (~/.gemini/settings.json):

{
  "mcpServers": {
    "motel-loans": {
      "httpUrl": "https://motel.loans/mcp"
    }
  }
}

Menu names change as the apps update. If a step has moved, look for "connectors" or "MCP" in the app's settings.

Tools

Tool	What it returns	Try asking
`size_hotel_loan`	The hotel loan sizer on your rooms, ADR, occupancy, expenses and price: NOI, DSCR, the largest loan the property supports, which limit binds and breakeven occupancy. A brand fills franchise fees; a program fills rate, term and loan-to-price.	Can a 64-room motel at $89 ADR and 62% occupancy, priced at $3.2 million, carry a $2.88 million SBA loan?
`get_franchise_costs`	One brand's royalty, marketing and other fees, initial and transfer fee for 60 rooms, Item 7 total investment and the filing link, plus the yearly fees for your rooms and revenue.	What does a Super 8 franchise cost a year in fees on $1.2 million of rooms revenue?
`compare_franchise_costs`	A ranked table of the 48 brands, filtered by parent company or a list you name, sorted by percent fees, initial fee or lowest Item 7 cost.	Which economy brands have the lowest royalty and marketing fees: Super 8, Motel 6, Red Roof Inn or Econo Lodge?
`get_sba_hotel_loan_terms`	SBA 7(a) and 504 terms for hotels under SOP 50 10 8.1: maximum rates, loan limits, equity, DSCR, maturities, FY 2027 fees and the latest 504 debenture rate.	What is the maximum SBA 7(a) rate and down payment for buying a hotel?

Discovery file: /.well-known/mcp.json. The sizer's method is written out on the hotel loan calculator page, and every brand's fees and filing are on franchise costs by brand.

License and attribution

Use the answers freely and credit "Data: Motel Loans (motel.loans)" with a link. FDD text belongs to the franchisors and SBA material is public. Motel Loans is published by Janover Capital LLC and is not affiliated with the SBA or any hotel brand. Nothing returned is a loan offer, approval or appraisal.

Questions people ask

Is there a cost or an API key?

No. The server is free, read-only and needs no key or sign-in. Please cite the motel.loans page or the source that comes back with each answer.

Where does the data come from?

Franchise fees come from franchise disclosure documents filed with the Minnesota Department of Commerce and the California DFPI, or posted by the franchisor where no regulator copy exists. SBA terms come from SOP 50 10 8.1 and the FY 2027 fee notices; prime is the Federal Reserve H.15 bank prime loan rate. The server reads the same files as the pages on this site.

Is the sizer result a loan offer?

No. It is arithmetic on the numbers you give it, the same as the calculator page. It leaves out the SBA guaranty fee, closing costs, a PIP, working capital and seasonality, and a lender will underwrite its own figures.

The hotel loan sizer as an MCP server

Add it to your AI assistant

Tools

License and attribution

Questions people ask

Financing a hotel or motel?