Cambria by Choice Hotels
The total investment to open a Cambria by Choice Hotels franchise ranges from $13.0M to $222.1M. The initial franchise fee is $60,000. Ongoing royalties are 6%.
What is the Cambria by Choice Hotels franchise?
Cambria by Choice Hotels is a hotel and motel franchise for travelers. The estimated total initial investment is $12,962,100 to $222,056,249, and the initial franchise fee is $60,000.
The ongoing royalty is 6 percent of sales. The franchise agreement term is 20 years. The brand was founded in 2005 and is headquartered in North Bethesda, AZ.
Loan Activity Score
41/100
SBA Default Rate
20.0%
Active Lenders
5
According to its Franchise Disclosure Document or public business records, Cambria by Choice Hotels has 4 locations, all owned by franchisees. Public SBA loan records show 5 lenders made 5 loans to franchisees of Cambria by Choice Hotels. PeerSense calculates Cambria by Choice Hotels's score as 41 out of 100, using public SBA loan performance and recent lending activity.
Franchising since 2005 · 4 locations
$13.0M to $222.1M
$60,000
4
4 franchised
Proprietary PeerSense metric
FairDistinct lenders in public SBA records for Cambria by Choice Hotels
5
Total SBA loans
$5.0M
Average loan size
Source: public SBA 7(a) and 504 loan records through December 31, 2025
Referral fee at closing
SBA Lending Activity for Cambria by Choice Hotels
Loan Activity Score Breakdown
Emerging (3 to 9 loans)
Are lenders increasingly or decreasingly funding this brand? Growing trends score highest.
Blended default rate (recent + all time) compared to NAICS sector peers.
Quality lenders actively backing this brand, with penalty for lender pullback.
FDD availability, Item 19 disclosure, and overall data completeness.
Geographic spread of SBA funded locations across states.
SBA Lending Performance
SBA Default Rate
20.0%
vs 10.3% peer avg
SBA Loans
5
Total Volume
$25.0M
Active Lenders
5
States
5
vs. SBA Sector Average
SBA loan default rate vs. all franchises in the same NAICS sector, not limited to direct competitors
Key Highlights
Franchise Financing Resources
Data Insights
Key performance metrics for Cambria by Choice Hotels based on SBA lending data
SBA Default Rate
20.0%
9.7% above peer avg
SBA Loan Volume
5 loans
Across 5 lenders
Lender Diversity
5 lenders
Avg 1.0 loans per lender
Investment Tier
Premium investment
$12,962,100 to $222,056,249 total
Cambria by Choice Hotels: Deep SBA Data
Brand specific metrics derived directly from SBA 7(a) approval records: peak lending year, leading state, average loan size, and lender concentration. PeerSense computes these per brand so capital advisors and prospective franchisees can benchmark this opportunity against the rest of the franchise universe.
Peak SBA Year
2025
2 approvals. The best year on record for Cambria by Choice Hotels.
Top SBA State
Arizona
1 SBA financed Cambria by Choice Hotels locations, the densest operator footprint.
Average Loan Size
$5.0M
Median $5.0M. Use as a sizing anchor when modeling your own Cambria by Choice Hotels unit.
Lender Concentration
60%
Concentrated
Share of Cambria by Choice Hotels approvals captured by the top 3 SBA lenders.
Cambria by Choice Hotels's SBA lending pipeline peaked in 2025 (2 approvals). The last five fiscal years account for 80% of cumulative volume ($20M approved). Operator density is highest in Arizona with 1 SBA financed locations. Average funded ticket sits at $5.0M, with the median at $5.0M. Lender mix is concentrated: the top three SBA lenders account for 60% of approvals. Credit decisions concentrate with a small group of incumbents.
Payment Estimator
Estimated Monthly Payment
$134,181
Principal & Interest only
Indicative only, as of October 1, 2026. Not a quote, commitment or offer of credit. Final pricing, leverage and terms are determined by the lender at underwriting, after full transaction materials are reviewed. PeerSense sources the file. The lender sets pricing. What these terms mean.
Locations
Cambria by Choice Hotels, unit breakdown
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Reviewed by Edward L. Freeman, Founder and Managing Director, PeerSense
- PeerSense is a capital advisory firm that places commercial financing with direct capital sources; it does not lend, fund, or approve loans, and the capital source sets final terms.
- Edward L. Freeman founded PeerSense in January 2020.
- He is a Registered Franchise Consultant with Business Alliance, Inc., a credential issued in March 2022, and worked as a franchise consultant there from March 2022 to May 2023.
- His recorded experience includes a $22 million SBA construction loan, with about $16 million funded on the deal.
- In the 12 months through September 30, 2026, PeerSense tracked 912 publicly announced financings with a disclosed size of $361.32 billion. PeerSense Capital Data Report · Methodology page
Last reviewed LinkedIn profileAbout Edward Freeman