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Hotel Loans Built for Indian Hoteliers
Financing That Moves Your Hotel Forward
Ready to build, buy, or refinance your next hotel? AVANA Capital finances Indian American hoteliers in all 50 states — construction, SBA 504, bridge, and conventional term loans, built around how you actually operate
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The Capital Behind Your Next Hotel
Indian American hoteliers are the backbone of U.S. hospitality — owning more than 36,000 hotels, roughly 60% of every property in the country. From modest roadside motels in the 1970s to portfolios spanning all 50 states, it's a story built on family, hard work, and the long view. For 20 years, AVANA Capital has helped finance the next chapter — buying, building, and refinancing the hotels that carry that story forward.
$800+
MILLION
financed in Hospitality Projects
41
Hotel Brands
in our historical portfolio
50
STATES
with Hotel Lending Coverage
20+
YEARS
of results-driven Hotel Lending
Loan Programs
Financing for Every Stage of Your Hotel Business
From breaking ground on your first property to refinancing a portfolio, we match the capital to the moment — and move at the speed your project deserves.
Backed by Partnerships With Industry Leaders
Institutional Capital, Through Oaktree
Our $250M private-credit partnership with Oaktree Capital Management gives us the firepower to fund larger, more complex hotel projects — and the certainty to close them. When a deal outgrows an ordinary lender, we're just getting started.
The Exclusive IHG Co-Lending Program
A construction co-lending partnership with IHG Hotels & Resorts, built for IHG-brand builds — avid, Atwell Suites, EVEN Hotels, Holiday Inn, Staybridge Suites, and Candlewood Suites. Competitive blended-rate financing and faster timelines you won't find elsewhere.
A Nationwide Network of 80+ Credit Unions
For conventional term loans, our partnership with 80+ credit unions nationwide connects your hotel to member-focused lenders — competitive, community-minded capital for acquisitions and refinancing, in any market.
Built for Hoteliers — Not Generalists
The Indian American hotel community built its success in spite of banks that didn't understand the business. AVANA is the opposite of that bank.
We underwrite on where your hotel is going
not just where it's been — forward-looking performance, not only trailing financials
We speak franchise fluently.
PIPs, brand standards, and approval timelines don't catch us off guard or slow you down
You work with one team, start to finish.
Decision-makers who've spent 20 years financing hotels, not a call center that's never closed one
Recent Hospitality Financings
Real projects, real closings. A sample of the hotels we've helped fund across the country
Our team
Our team has a longstanding history of solving complex problems
Sanat Patel
Chief Lending Officer
Ward Hickey
SVP, Business Development Officer
Steven Ellsworth
EVP of Portfolio Management
Kristine Sanchez
VP, Business Development
Hotel Financing Questions, Answered
Find answers to common questions
Established hotel operators (two or more years in business) typically need about 15% down. First-time hotel owners generally need 20%, because hotels are treated as special-purpose properties. The remainder is split between a bank (around 50%) and an SBA-backed Certified Development Company — which is what keeps your out-of-pocket so low.
Yes. Through our IHG co-lending program we finance ground-up construction for qualified IHG-brand hotels — avid, Atwell Suites, EVEN Hotels, Holiday Inn, Staybridge Suites, and Candlewood Suites — with sharper terms and faster timelines.
A bridge loan is short-term capital to acquire, renovate, or complete a PIP quickly. An SBA 504 loan is long-term, fixed-rate financing for an owner-occupied hotel with a low down payment. Many hoteliers use a bridge loan to move fast, then refinance into permanent SBA financing once the property stabilizes.
Yes — it’s a community we’ve proudly served for more than 20 years, with SBA 504, bridge, construction, and conventional term loans tailored to owner-operators.
Absolutely. Many of our borrowers are on their second, fifth, or tenth property. We finance acquisitions and refinances so you can keep growing your portfolio without stalling on capital.
Yes. A bridge or conventional refinance can free up equity in a hotel you already own — capital you can put toward your next acquisition or renovation.
Hospitality is all we do. We underwrite on where your hotel is headed — not just its trailing financials — and we know franchise standards, PIP timelines, and brand approvals inside out, so your deal doesn’t stall on a lender who’s never financed a hotel.
ell us about your project and we’ll review it within 24-48 hours, then lay out your best financing options and next steps. No obligation, no runaround — just a straight answer from a lender who knows hotels.
Industry Insights
Market insights that keep you ahead