Business Loans for Hotel & Hospitality
Manu helps hotel & hospitality owners across the United States get matched with the right lender — fast. Pre-qualify in minutes through Manu's partner application — access a 75+ lender network with real, competitive offers, no hard credit check.
How hotel & hospitality businesses use this financing
Common uses of funds:
- Property renovation (PIP - Property Improvement Plans)
- FF&E (furniture, fixtures, equipment) refresh
- Acquisition financing
- Working capital for low-occupancy seasons
Typical loan size: Hotel and hospitality loans typically range from $250K to $5M for renovations; full acquisitions reach $10M+.
Seasonality: Most US hotels see summer (leisure) and Q4 (corporate/holiday) peaks; Jan-Feb is slowest in most markets.
Most common reason for decline: Hotel operators are often declined for franchise-flag PIP non-compliance or for thin RevPAR vs. comp set.
Best-fit products for hotel & hospitality: SBA Loans, Commercial Real Estate Loans, Term Loans.
Capital use cases for hotel & hospitality businesses
- Property renovation (PIP): A $250K–$5M SBA or term loan funds franchise-required Property Improvement Plans, repaid over 10–25 years.
- FF&E refresh: A $100K–$1M equipment loan funds furniture, fixtures, and equipment refreshes that lift RevPAR.
- Acquisition: Operators finance up to $10M+ via SBA or CRE loans to acquire a property over 20–25 years.
Funding options for hotel & hospitality businesses
Why Hotel & Hospitality owners choose Manu
How hotel & hospitality business loans work with Manu
Ready to fund your Hotel & Hospitality business?
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See My OffersHotel & Hospitality Business Loans by state
Other industries we fund
Other funding options for hotel & hospitality businesses
Frequently asked questions
What kind of business loans can Hotel & Hospitality owners qualify for?
Through Manu's partner application, hotel & hospitality owners can access small business loans ($10K–$10M), SBA 7(a) and 504 loans ($50K–$5M), business lines of credit, equipment financing, merchant cash advances, accounts receivable financing, and inventory lines. Terms are tailored to your revenue and time in business.
How fast can a Hotel & Hospitality business get funded?
Lines of credit and merchant cash advances can fund the same day for qualifying hotel & hospitality businesses. Small business loans and equipment financing typically fund in 1–3 business days. SBA loans take 4–10 weeks due to government underwriting.
What credit score do I need for Hotel & Hospitality financing?
Minimum FICO depends on the product: equipment financing starts at 550, small business loans at 580, lines of credit at 600, and SBA loans at 660. Merchant cash advances and accounts receivable financing have no minimum FICO — they're underwritten on revenue and receivables instead.
Will applying hurt my credit score?
No. Pre-qualification uses a soft credit check that does not affect your credit score. A hard pull only happens if you accept a final offer from a lender.
What documents do Hotel & Hospitality businesses need to apply?
To pre-qualify, you'll share basic business information plus your most recent 3 months of business bank statements. To finalize an offer, most lenders ask for 3–6 months of bank statements in total. Larger loans may also require tax returns or financial statements.
Sources & references
Loan-product criteria, funding-speed ranges, and credit-score thresholds on this page are validated against current lender requirements and the following primary sources: