Hotel Franchise Services

Types of Businesses We Work With

Branded Hotels

Independent Hotels

Limited-Service Hotels

Full-Service Hotels

Select-Service Hotels

Extended-Stay Hotels

Boutique Hotels

Resorts

Hotel Portfolios

New Construction

Insurance Solutions

Our extensive carrier network and access to accelerated and traditional programs allow us to deliver efficient, tailored insurance solutions nationwide

CONSTRUCTION PHASE

OPERATIONAL PHASE

Loan Solutions

Through our nationwide network of bank and non-bank lending partners, we help hotel owners and operators source financing for acquisitions, refinances, renovations, PIPs, ground-up construction, and expansion projects.

SBA 7(a) LOANS

SBA 7(a) loans are the most flexible financing option available for small businesses. They can be used for a wide range of purposes, including business acquisitions, partner buyouts, working capital, equipment, and owner-occupied real estate.

PROGRAM HIGHLIGHTS

Loan Amounts:

$350,000 to $9,000,000

(Please note: The maximum SBA 7(a) guaranty-supported loan amount is $5 million. Any loan amount above $5 million is structured through the participatingbank’s conventional financing.)

Term Lengths:

Up to 10 years (business acquisition, working capital, equipment)
Up to 25 years (real estate)

Interest Rates:

Fixed & variable options. 6.75% to 9.75%

Amortization:Fully amortizing

Down Payment:

Typically ~10% for acquisitions

USES & BENEFITS

Business Acquisitions

Up to 90% financing (≈10% down
Can include goodwill, inventory, and working capital
Seller financing can sometimes help satisfy equity

Franchise Purchases

Up to 85%–90% financing, up to 100% financing for Expansions
Strong brands (SBA-approved/franchise directory) often get higher leverage
Startups vs. resales may impact equity requirement

Partner / Shareholder Buyouts

Up to 90% financing
Must show business can support new debt load
Structure depends on ownership transition and cash flow

Owner-Occupied Commercial Real Estate

Up to 90% financing, up to 100% financing for Expansions
51% owner-occupancy required (existing)
Can combine real estate + business + working capital

Working Capital

Up to 100% financing (no specific LTV)
Based on cash flow and repayment ability
Often combined with acquisition or expansion loans

Equipment Purchases

Up to 100% financing
Based on useful life of equipment
Can be standalone or included in a larger loan

Debt Refinance (Case-by-Case)

Up to 100% financing
Must show a clear benefit (improved cash flow)
Subject to SBA refinance rules (no “same institution” refinance, etc.)

WHY SBA 7(a) LOANS WORK

ELIGIBILITY REQUIREMENTS

BEST FIT BORROWERS

SBA 504 LOANS

SBA 504 loans are designed for businesses looking to purchase, construct, or refinance owner-occupied commercial real estate and equipment. This program offers long-term, fixed-rate financing with lower down payments compared to conventional loans.

KEY REQUIREMENTS

HOW THE STRUCTURE WORKS

PROGRAM HIGHLIGHTS

Loan Amounts: Typically $1MM – $25MM+ total project size

(Please note: The maximum SBA 504 loan amount is generally $5 million. Any loan amount above this is typically financed through the participating bank’sconventional loan. Certain eligible green energy projects may qualify for higher SBA 504 loan amounts.)

CDC/SBA Portion: Up to $5MM (can go higher for certain industries like manufacturing)

Term Options:

25-year (real estate)
10-year (equipment)

Rates: Fixed on SBA portion (often lower than conventional)

Amortization: Fully amortizing (no balloon on SBA piece)

SBA 504 - TYPICAL FINANCING

Purchase of Owner-Occupied Commercial Real Estate

Up to 90% financing (≈10% down)
Structure: ~50% Bank / ~40% SBA (CDC) / ~10% Borrower.
Can be 15%–20% down for startups or special-use properties

Ground-Up Construction

Up to 90% financing of total project cost
Covers land acquisition + construction costs
Same 50/40/10 structure (may increase to 15%–20% equity depending on risk)

Building Expansions or Renovations

Up to 90% financing
Includes additions, major improvements, and facility upgrades
Can be combined with refinance or equipment in one structure

Equipment Purchases (Long-Life Assets)

Up to 90% financing
Typically for equipment with 10+ year useful life
Structured similar to real estate loans (bank + SBA split)

Refinancing Existing Commercial Real Estate Debt (with conditions)

Up to 90% LTV
May allow cash-out for eligible business expenses
Must meet SBA refinance requirements (seasoning, benefit to borrower, etc.)

WHY SBA 504 LOANS WORK

ELIGIBILITY REQUIREMENTS

BEST FIT BORROWERS

CONVENTIONAL BANK LOANS

Conventional bank loans are designed for established businesses and experienced borrowers seeking competitive rates and straightforward financing without SBA involvement. These loans are best suited for borrowers with strong financials, solid cash flow, and good credit.

KEY REQUIREMENTS

PROGRAM HIGHLIGHTS

Loan Amounts:

$350,000 to $9,000,000

(Please note: The maximum SBA 7(a) guaranty-supported loan amount is $5 million. Any loan amount above $5 million is structured through the participatingbank’s conventional financing.)

Term Lengths:

Up to 10 years (business acquisition, working capital, equipment)
Up to 25 years (real estate)

Interest Rates:

Fixed & variable options. 6.75% to 9.75%

Amortization:Fully amortizing

Down Payment:

Typically ~10% for acquisitions

USES & BENEFITS

Business Acquisitions

Up to 90% financing (≈10% down
Can include goodwill, inventory, and working capital
Seller financing can sometimes help satisfy equity

Franchise Purchases

Up to 85%–90% financing, up to 100% financing for Expansions
Strong brands (SBA-approved/franchise directory) often get higher leverage
Startups vs. resales may impact equity requirement

Partner / Shareholder Buyouts

Up to 90% financing
Must show business can support new debt load
Structure depends on ownership transition and cash flow

Owner-Occupied Commercial Real Estate

Up to 90% financing, up to 100% financing for Expansions
51% owner-occupancy required (existing)
Can combine real estate + business + working capital

Working Capital

Up to 100% financing (no specific LTV)
Based on cash flow and repayment ability
Often combined with acquisition or expansion loans

Equipment Purchases

Up to 100% financing
Based on useful life of equipment
Can be standalone or included in a larger loan

Debt Refinance (Case-by-Case)

Up to 100% financing
Must show a clear benefit (improved cash flow)
Subject to SBA refinance rules (no “same institution” refinance, etc.)

WHY CONVENTIONAL BANK LOANS WORK

ELIGIBILITY REQUIREMENTS

BEST FIT BORROWERS

COMMERCIAL BRIDGE LOANS

PROGRAM HIGHLIGHTS

USES & BENEFITS

Commercial Real Estate Acquisitions

Typically 65%–75% LTV
Higher leverage possible on strong deals or experienced sponsors
Designed for fast closings and time-sensitive opportunities

Value-Add / Repositioning Projects

Up to 70%–75% LTV (based on current value)
Up to 80%–85% LTC (including renovation costs)
Focus on after-repair value (ARV) and business plan

Lease-Up / Stabilization

Typically 65%–75% LTV
Based on in-place income + projected stabilization
Used to transition property to permanent financing

Refinancing Maturing Debt

Typically 65%–75% LTV
Provides time to restructure or improve property performance
Helps avoid forced sale or unfavorable refinancing

Transitional Financing (Pre-Sale or Refinance)

Typically 60%–75% LTV
Short-term hold while executing exit strategy
Structured around clear refinance or sale plan

WHY BRIDGE LOANS WORK

ELIGIBILITY REQUIREMENTS

BEST FIT BORROWERS

CMBS LOANS (COMMERCIAL MORTGAGE-BACKED SECURITIES)

CMBS loans are long-term commercial real estate loans designed for stabilized, income-producing properties. These loans are commonly used for larger commercial assets and are structured through institutional lenders, then pooled into commercial mortgage-backed securities. CMBS financing is ideal for borrowers seeking competitive fixed rates, higher leverage, and long-term stability on stabilized properties.