Hospitality Property Loans

Hotel Loans & Hospitality Financing Built for Growth

Our hospitality lending specialists understand hotel ownership and development, offering flexible financing to grow your brand portfolio or upgrade independent properties so you can reach your goals

Apply for a Loan
Modern hotel lobby featuring elegant wooden accents, a sleek marble reception desk, and contemporary decor elements.
AVANA Companies logo, featuring a blue and green design with the text A Member of AVANA Companies for brand identity.
Inc. 5000 logo representing America's fastest-growing private companies with vibrant colors and dynamic design.
BBB Accredited Business logo
Logo of the Banking Tech Awards, featuring a modern design with gold accents, celebrating innovation in financial technology.
ESG Investing Runner-Up Awards 2022 logo, highlighting commitment to environmental, social, and governance criteria.
Award badge for Alternative Credit, showcasing 2026 Shortlisted in red ribbon with stars and laurel wreath design.

Financing for Every Stage of Hotel Ownership

AVANA’s hotel financing solutions support acquisitions, construction, renovations, and refinancing. We help owners and developers access both long-term and bridge loans capital through flexible structures and competitive terms—tailored for branded hotels

Flexible Financing Solutions

AVANA offers a full suite of financing products to help your business grow

Luxurious hotel with a stunning pool and lush greenery, surrounded by modern architecture and tropical palms.

SBA 504 Loan

Long-term financing with up to 90% LTV designed to help business owners acquire, expand, or refinance commercial real estate

Charming hotel building with classic architecture, balconies, and a vintage sign against a clear blue sky.

Bridge Loan

Short-term funding to bridge the gap between transactions or support property transitions until permanent financing is secured

Construction site with towering cranes and modern buildings under blue skies and fluffy clouds.

Construction Loan

Flexible capital for ground-up developments, brand conversions, or major property improvements

Modern lobby with glass walls, stylish seating, and a view of city architecture, creating a welcoming urban atmosphere.

Conventional Term Loan

Long-term financing for stabilized assets. Ideal for acquisition, refinancing, or property enhancements

Competitive Terms for Hospitality Lending

Rates and structures vary depending on loan type and borrower qualifications

Icon

Loan Sizes

From $1MM to $30MM, covering a full range of commercial programs

Icon

Flexible Terms

Choose from short-term (up to 3 years) 
or long-term (up to 25 years) options

Icon

High Leverage

Finance up to 75% LTV or 90% total for qualifying SBA 504 structures

Icon

Market-Indexed Pricing

Tied to SOFR, CMT, or Treasury benchmarks with program-specific spreads

Icon

Extension Options

Certain short-term programs offer annual renewal or extension flexibility

Uses of proceeds

Financing available for hotel purchases or partner buyouts, refinancing existing debt, ground-up development or property improvements

Graphic showcasing AVANA Companies' lending partnerships with Oaktree, IHG, and over 80 credit unions for real estate projects.

Backed by Our Partnerships with Industry Leaders

Institutional-grade construction financing through our partnerships with Oaktree Capital, IHG Hotels, and a growing network of leading Credit Unions. By collaborating with industry leaders, we accelerate funding processes, offer competitive rates, and create exclusive co-investment opportunities that empower our clients and investors alike

A Streamlined Process from Application to Funding

We make financing simple, transparent, and fast

Icon of a document with lines representing text, set against a deep red background, symbolizing written content.

Step 1

Submit Application

Complete our online application form with basic information. Our team will review within 24 hours

Magnifying glass icon on a red background, symbolizing search and exploration in digital content.

Step 2

Review

We’ll evaluate your documents and request any additional materials needed.

White dollar sign on a red background, symbolizing finance, currency, and economic transactions in digital marketing.

Step 3

Approval & Terms

Once approved, we’ll present loan terms and structure a customized financing solution

Checkmark icon on a deep red background, symbolizing approval, completion, or success in various contexts.

Step 4

Closing & Funding

Final documentation and closing procedures. Funds are typically disbursed within days of closing

Proven Success Stories

We’ve helped businesses across industries

Exterior view of a modern hotel featuring ample parking, trees, and blue skies, ideal for travelers and families.
Featured Loan
Aurora, Illinois
August 5, 2022
Modern hotel exterior featuring large windows, landscaped gardens, and a welcoming entrance on a sunny day.
Featured Loan
Dublin, Ohio
February 19, 2025
Modern multi-story building with glass facade and balconies, located at an urban intersection under a cloudy sky.
Featured Loan
New York, New York
July 30, 2022
Welcoming hotel entrance with palm trees under a clear evening sky, featuring a spacious drive and inviting architecture.
Featured Loan
Jacksonville, Florida
July 9, 2024
Modern hotel exterior with a sleek design, inviting entrance, and vibrant sky backdrop, perfect for travelers seeking comfort.
Featured Loan
Vancouver, Washington
November 9, 2022
Modern hotel exterior at dusk, featuring clean lines, stylish architecture, and colorful lighting against a vibrant sky.
Featured Loan
Atlanta, Georgia
August 7, 2024

Our team

Our team has a longstanding history of solving complex problems

Professional headshot of a man in a suit against a neutral background, smiling confidently.

Sanat Patel

Chief Lending Officer

Professional headshot of a businessman in a suit with glasses, smiling against a neutral background.

Steven Ellsworth

EVP of Portfolio Management

Professional headshot of a smiling middle-aged man in a suit with a red tie, set against a neutral background.

Ward Hickey

SVP, Business Development Officer

Frequently Asked Questions

Find answers to common questions

Yes, AVANA provides ground-up construction financing for select-service and limited-service hotels under major brands like IHG, Hilton, Marriott, etc. Our AVANA-IHG Co-Lending construction program, developed in partnership with IHG Hotels, is specifically designed to support qualified IHG hotel developers with streamlined capital.

Bridge loans are ideal for hotel acquisitions, PIP completion, or refinancing before stabilization. We work with experienced operators who need short-term, high-speed capital to close deals or reposition assets.

Yes, SBA 504 loans can be used to purchase or refinance owner-operated hotels, provided they meet SBA eligibility, including majority owner occupancy and brand/franchise approval.

We offer both conventional term loans and bridge options for refinancing hotel assets whether you’re looking to lower rates, pull out equity, or consolidate debt. SBA 504 loans are also available for refinancing, provided the property meets SBA use criteria and has been operational for at least two years.

Industry insights

Market insights that keep you ahead

Close-up of modern building facade with alternating glass windows and textured stone panels, showcasing architectural design.

Acquiring an existing business is one of the fastest ways for entrepreneurs to scale, diversify, or enter a proven market. But turning an opportunity into a successful acquisition depends heavily on choosing the right small business...

Read More