● Hospitality Financing Specialists Since 1998
Hotel & Resort
Financing That Closes.
UFIG originates hotel financing solutions nationwide — SBA, CMBS, conventional, and bridge loans for hotels, motels, resorts, and boutique properties. Flagged and independent. $500K to $25M+.
Our hotel financing specialists have been providing hotel financing solutions since 1998 — across all property types, flag tiers, and market conditions.
28 Yrs
Hospitality
Lending
Lending
$14B+
Loans
Originated
Originated
40+
Brands
Financed
Financed
50 States
+ Canada
Loan Programs
The Right Capital for Every Deal
UFIG accesses multiple capital sources — giving you the best program for your property type, timeline, and business goals.
Most Popular
Get SBA Quote →
SBA 7(a) Hotel Loan
Up to 90% LTV
Loan Amount$500K – $5M
Amortization25 Years
Rate TypeVariable (Prime+)
Best ForIndependent & budget hotels
Down PaymentAs low as 10%
Fixed & Varraible Rate
Get SBA 504 Quote →
SBA 504 Hotel Loan
Up to 90% LTV
Loan Amount$500K – $25M+
Amortization25 Years
Rate TypeFixed (below market)
Best ForOwner-occupied properties
Down PaymentAs low as 10%
Non-Recourse
Get CMBS Quote →
CMBS Hotel Loan
Up to 75% LTV
Loan Amount$2M – $25M+
Amortization25–30 Years
Rate TypeFixed (5–10 yr term)
Best ForFlagged branded hotels
RecourseNon-recourse available
Conventional
Get Conventional Quote →
Conventional Hotel Loan
Up to 80% LTV
Loan Amount$1M – $25M+
Amortization20–25 Years
Rate TypeFixed or Floating
Best ForStrong branded properties
SourcesLife co., bank, pension
Short-Term
Get Bridge Quote →
Bridge & Rehab Loans
7–21 Day Close
Loan Amount$1M+
Term6–36 Months
Rate TypeInterest only
Best ForAcquisition, PIP, repositioning
LTVUp to 75%
Renovation
Get Cap-Ex Quote →
PIP & Cap-Ex / FF&E
$200K – $25M
Loan Amount$200K – $25M
Amortization3–10 Years (useful life)
Use of FundsPIP, FF&E, renovation
Best ForBrand-required improvements
Soft CostsIncluded in many cases
What We Finance
Every Hospitality Asset Class
From budget motels to luxury resorts — flagged, independent, and everything in between. UFIG has the programs and lender relationships to fund your deal.
Full-Service Hotels
Branded and independent full-service hotels with food & beverage, conference facilities, and extensive amenities.
Limited Service & Extended Stay
Holiday Inn Express, Hampton Inn, Residence Inn, and similar select-service and extended-stay flags.
Resorts & Destination Properties
Luxury and boutique resort properties, vacation destinations, and seasonal properties in leisure markets.
Bed & Breakfast / Boutique
Independent and boutique hotel properties — startup or existing. We have programs most lenders won't touch.
Golf Courses & Event Centers
Golf course acquisitions, renovations, and event center properties with lodging components.
Exterior Corridor & Budget
Most lenders shy away from exterior corridor properties — UFIG has dedicated programs for budget and non-flagged motels.
Why UFIG
Hotel Financing Built
for Hotel Owners.
From term sheet to funding — we manage every step.
From budget motels to full-service resorts — UFIG has been arranging hotel financing since 1998. We know the brands, the lenders, and the underwriting criteria that get deals closed.
28 Yrs
In Business
$14B+
Loans Originated
40+
Hotel Brands
50
States + Canada
Let's Finance Your Next Big Move
Flexible lending solutions for investors and real estate professionals. Quick closings. Smart structures. Nationwide reach.
Explore Loan ProgramsQualifying Your Deal
What Lenders Want to See
Understanding the underwriting criteria upfront saves time. Here's what our lender relationships look for in a hotel loan.
DSCR
1.25× minimum (1.35× preferred)
Net operating income must cover debt service. Strong operators at 1.35× or above get the best rates.
Occupancy
55%+ trailing 12 months
Stabilized properties demonstrate consistent revenue. STR report required for flagged properties.
Borrower Experience
Hotel management experience preferred
Prior hospitality ownership or management track record strengthens approval and improves terms.
Loan-to-Value
Up to 90% (SBA) · 75–80% (conv.)
LTV determined by appraisal. SBA programs offer the highest leverage for qualifying properties.
Credit Profile
680+ preferred (exceptions available)
CMBS loans are less credit-sensitive than bank programs. Options exist for non-ideal credit profiles.
RevPAR
Competitive for market / flag tier
Revenue per available room benchmarked against comp set. STR report and P&L required for review.
How It Works
From Application to Close
Our streamlined process gets you to the closing table faster than traditional lenders.
1
Submit Your Scenario
Complete our brief online form or call us. We review your property, loan amount, and timeline — no commitment required.
2
Receive Program Options
Within 24 hours, a loan officer presents the best programs for your deal — SBA, CMBS, conventional, or bridge.
3
Application & Underwriting
We manage the full process — document collection, lender submission, appraisal coordination, and underwriting communication.
4
Close & Fund
Bridge loans close in 7–21 days. SBA and conventional in 30–60 days. We stay with you from term sheet to funding.
Brand Experience
40+ Hotel Brands Financed
From economy flags to luxury brands — and independent properties nationwide.
Aloft
Best Western
Clarion
Comfort Inn
Comfort Suites
Country Inn
Courtyard
Days Inn
DoubleTree
Econo Lodge
Embassy Suites
Fairfield Inn
Four Seasons
Hampton Inn
Hilton
Holiday Inn
Home2 Suites
Homewood Suites
Hyatt
Indigo Hotel
Knights Inn
La Quinta
Marriott
Microtel Inn
Motel 6
Omni
Quality Inn
Ramada
Red Lion
Red Roof Inn
Residence Inn
Sheraton
Sleep Inn
Staybridge
Travelodge
Wyndham
★ Independent / Boutique
Don't see your flag? Contact us — we can provide financing for most brands.
Common Questions
Hotel Loan FAQ
Answers to the questions we hear most from hotel owners and investors.
What documents are required to finance a flagged hotel?
STR Report, Franchise Quarterly Inspection, Property Improvement Plan (PIP), Franchise Agreement, trailing 12-month P&L, rent roll if applicable, and personal financial statements. We guide you through exactly what's needed for your specific program.
Do you finance exterior corridor or non-flagged motels?
Yes. Most conventional lenders avoid exterior corridor properties — UFIG has dedicated programs for these assets. We evaluate each deal individually and have financed numerous non-flagged and exterior corridor properties nationwide.
Can you finance a bed & breakfast or boutique hotel startup?
Absolutely. We have SBA 7(a) programs specifically suited for boutique hotel startups and B&Bs — both new construction and existing property acquisition. Startup financing typically requires a strong business plan and operator experience. Learn more about SBA loan programs at SBA.gov →
What is PIP financing and how does it work?
Property Improvement Plan (PIP) financing covers brand-required renovations when you acquire a flagged hotel or need to re-brand. Cap-Ex/FF&E financing from $200K to $25M+ covers furniture, fixtures, equipment, and soft costs — amortized over the useful life of the improvements (typically 3–10 years).
How fast can you close a hotel loan?
Bridge and hard money loans typically close in 7–21 days. Conventional and SBA loans close in 30–60 days depending on complexity. We proactively manage the timeline and communicate with lenders to minimize delays.
Do you finance seasonal or vacation area hotels?
Yes — including seasonal properties that many lenders decline. We evaluate the annual cash flow picture, not just peak season performance, and have lender relationships that understand resort and vacation market dynamics.
What is the minimum loan amount for hotel financing?
Our general commercial minimum is $500,000. Cap-Ex/FF&E financing starts at $200,000. For CMBS loans, the minimum is typically $2,000,000. There is no upper limit — we finance large full-service hotels and multi-property portfolios.
Still have questions? Talk to a loan specialist →
1998
Established
$14B+
Originated
74,000+
Clients
50 States
+ Canada
(888) 556-4029
Mon–Thu 9AM–5:15PM · Fri 9AM–12PM
Get Started
Talk to a hospitality
lending specialist.
Our loan officers understand hotel underwriting, brand requirements, and the nuances of hospitality financing. Speak directly with a specialist — not a call center.
Same-day response during business hours
No obligation — accurate program guidance, not a sales pitch
Minimum $500,000 · All property types considered
Flagged, independent, boutique, and exterior corridor
Correspondent lender — nationwide since 1998
Or Call Us Directly
(888) 556-4029
Mon–Thu 9AM–5:15PM · Fri 9AM–12PM Eastern. Appointments after hours available.
Explore UFIG Loan Programs