Hotel construction loans: how a new build gets financed
How lenders finance a new hotel: the budget they test against the brand's Item 7, equity, projections, SBA 504 and 7(a) construction rules and draws.
Guides
Hotel and motel financing, sized with your own numbers.
Hotel refinance loans, and when refinancing a motel pays
When refinancing a hotel or motel makes sense, how lenders size a refinance or cash-out, what prepayment penalties cost, and SBA refinance rules.
How lenders size a hotel loan: RevPAR, NOI and DSCR
The arithmetic a hotel lender runs, step by step, with a worked example, and the adjustments that make a bank's number smaller than yours.
How to buy a motel, from first look to closing
The order a motel purchase actually happens in, what the seller, the brand and the lender each want from you, and where deals fall apart.
PIP financing for hotels, and how a PIP changes your loan
What a property improvement plan is, why brands require one when a hotel sells, and the ways owners pay for it, from SBA loans to brand key money.
SBA 504 loans for hotels and motels, with 15% down
How SBA 504 finances a hotel: the bank, CDC and owner split, why hotels need 15% down, the October 2026 debenture rate, FY2027 fees and the job rule.
SBA 7(a) loans for hotels and motels: rules for 2026
How SBA 7(a) finances a hotel or motel purchase under SOP 50 10 8.1, with the current rate cap, FY2027 fees, 10% equity, 1.25x DSCR and citizenship rules.
Financing a hotel or motel?
Send the deal to Janover Capital, which runs Motel Loans. A person there reads every request and replies.