Low Down Payment. Up to 100% LTV. No Broker Fees. Fast Funding.
Looking to renovate your hotel, complete a Property Improvement Plan (PIP), or refinance your existing mortgage? GHC Funding offers SBA 7(a) loans tailored to hotel owners, hospitality groups, and motel investors who need flexible, affordable financing with high LTVs and no headaches.
Why Choose SBA 7(a) Loans for Your Hotel?
The SBA 7(a) loan is one of the most powerful tools available for small business owners in the hospitality industry. Whether you’re planning a major renovation, complying with new ADA regulations, or simply extracting equity for working capital—this loan can cover it.
Need capital? GHC Funding offers flexible funding solutions to support your business growth or real estate projects. Discover fast, reliable financing options today!
⚡ Key Flexible Funding Options:
GHC Funding everages financing types that prioritize asset value and cash flow over lengthy financial history checks:
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Bridge Loans: These are short-term loans used to "bridge the gap" between an immediate need for capital and securing permanent financing (like a traditional loan or sale). They are known for fast closing and are often asset-collateralized, making them ideal for time-sensitive real estate acquisitions or value-add projects.
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DSCR Loans (Debt Service Coverage Ratio): Primarily for real estate investors, these loans are underwritten based on the property's rental income vs. debt obligation ($\text{DSCR} = \text{Net Operating Income} / \text{Total Debt Service}$), not the borrower's personal income or tax returns. This offers flexibility for those with complex finances.
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SBA Loans: The Small Business Administration (SBA) guarantees loans offered by partner lenders. While providing excellent terms (long repayment, lower rates), the application process is typically slower than private/bridge funding, often making them less suitable for immediate needs. SBA eligibility heavily relies on the DSCR metric for repayment assessment.
🌐 Learn More
For details on GHC Funding's specific products and to start an application, please visit their homepage:
Visit SBA.gov to learn more about SBA 7(a) guidelines.
Key Benefits:
- Up to 100% Loan-to-Value (LTV)
- Cash-out available for PIP, expansion, and renovations
- Loan amounts up to $5 million
- Terms up to 25 years – fully amortized
- Competitive fixed and variable interest rates
- No balloon payments
- No broker points or fees with GHC Funding
Learn more about GHC Funding’s SBA Programs »
Top SBA Hotel Financing Scenarios We Fund
We’ve built our SBA hospitality loan program specifically for property owners and operators seeking speed, flexibility, and transparency. Here are some of the most common use cases:
1. SBA 7a Loan for Hotel Property Improvement Plan (PIP) 2025
Franchise brands often require upgrades to remain in compliance. An SBA 7(a) loan can help cover furniture, fixtures, ADA upgrades, landscaping, signage, and more.
2. How to Get SBA Refinance Loan for Hotel Upgrades
With rising interest rates, refinancing into a lower-rate SBA loan can dramatically reduce monthly expenses. Plus, cash out is allowed to help fund improvements.
3. 100 LTV SBA Loan for Motel Renovation Funding
Smaller motels often struggle to get bank funding. Our 100% LTV SBA solution is perfect for operators who need to renovate rooms, lobbies, or kitchens without a big capital outlay.
4. Best Lenders for SBA 7a Hotel Cash-Out Refinance
Looking for a reliable direct lender who won’t nickel and dime you? GHC Funding is known for quick approvals, no-broker-fee pricing, and transparent terms.
🏨 Client Testimonial:
“GHC Funding helped us cash out $400K from our existing property to fund our pool area upgrade and rebrand. Couldn’t have been easier.”
— Hotel Owner, Anaheim, CA
5. SBA Loan Options for Hospitality Business Expansion
Adding more rooms? Purchasing the building next door? SBA 7(a) loans are ideal for expansion and new development—especially when combined with low equity requirements.
6. Refinancing Hotel Mortgage with SBA 7a Loan
If you have an outdated or expensive commercial loan, GHC Funding can refinance it with more favorable SBA-backed terms—often with no out-of-pocket costs.
7. How to Use SBA 7a Loan for Hotel ADA Compliance
ADA lawsuits are on the rise. SBA 7(a) loans can be used to bring your hotel into compliance—adding ramps, modifying bathrooms, updating signage, and more.
8. Low Down Payment SBA Loans for Hotel Construction
Want to build an annex or new building on your property? With as little as 10% down, GHC Funding can finance the rest through our SBA hotel construction program.
9. SBA 7a vs 504 for Hotel Remodel and Cash Out
Confused about SBA loan options? While the SBA 504 is best for real estate purchases, the 7(a) is better for renovations, equipment, and working capital—especially when you want to cash out.
Read a breakdown of SBA 7(a) vs 504 from Nerdwallet »
10. GHC Funding SBA Hotel Loans with No Broker Fees
GHC Funding charges no broker points, keeps the underwriting internal, and works directly with property owners to structure SBA 7(a) loans that maximize value and minimize delay.
Who Qualifies for a Hotel SBA 7(a) Loan?
✔ U.S. citizen or legal resident
✔ Good personal and business credit
✔ Existing or new hospitality property
✔ Cash flow to support loan payments
✔ Property located in the U.S.
How GHC Funding Stands Out
Unlike traditional banks or brokers, GHC Funding specializes in hospitality and commercial real estate financing. We’re a direct lender with SBA expertise and the ability to approve creative, high-LTV transactions quickly.
✅ SBA-preferred lending partner
✅ Streamlined underwriting
✅ Dedicated hotel financing team
✅ Nationwide lending coverage
Contact GHC Funding for a Free SBA Loan Quote »
Final Thoughts
If you’re a hotel or motel operator looking to improve your property, refinance your mortgage, or grow your portfolio in 2025—an SBA 7(a) loan through GHC Funding is your best bet. We beat big banks and brokers every day.
Don’t wait. Use your property’s equity to reinvest in your brand, your guests, and your bottom line.
Get a No Obligation Quote Today.
Use these trusted resources to grow and manage your small business—then connect with GHC Funding
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and more—start your funding conversation today.
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