SBA Loans, DSCR Financing & Equipment Capital for Hotels, Motels & Short-Term Rentals
PeerSense connects hospitality operators—from boutique hotels to Airbnb portfolios—with tailored financing solutions. Whether you're acquiring a 50-room property via SBA 7(a), refinancing a short-term rental portfolio with DSCR loans, or upgrading kitchen equipment, we match you with the right lender structure. Our network includes SBA Preferred Lenders, private DSCR specialists, and equipment lessors who understand seasonal cash flow and franchise flag requirements.
Rate estimates as of March 2026. Actual rates vary by lender, deal size, and borrower profile.
Finance hotel, motel, or resort purchases with up to 90% LTV. Covers acquisition, working capital, and FF&E upgrades.
Long-term fixed-rate financing for owner-occupied hospitality real estate. Ideal for boutique hotels and B&Bs.
Fast funding for short-term rentals, Airbnb portfolios, and property repositioning. No personal income verification.
Finance kitchen equipment, HVAC systems, laundry facilities, POS systems, and furniture packages.
Revenue-based financing for seasonal cash flow gaps, marketing campaigns, and staffing needs. Fast approval.
Subordinated debt for large acquisitions, portfolio expansion, or refinancing. Flexible structures for experienced operators.
✦ Rate ranges are estimates based on March 2026 benchmarks (Prime 6.75%, 10-Yr Treasury 4.35%). Actual lender rates vary. PeerSense is a connector — not a lender. Referral fee at closing. View live rates →
Anonymized — for illustrative purposes only
SBA 7(a) hotel acquisition with seller note structure. 48-room property in secondary market. Borrower had 15 years hospitality experience.
Closed in 62 days with 10% down payment
Hotels finance with SBA 7(a) for acquisitions under $5M (90% LTV, ~9.25%), SBA 504 for owner-occupied real estate (~5.80% fixed), CMBS conduit for stabilized $2M–$100M+ refinances (6.5–8.5%, non-recourse), bridge loans for PIPs + lease-up (8–12%), and DSCR loans for Airbnb portfolios (7–10%, no income docs). PIP-deferred properties face limited options until renovations are addressed.
— PeerSense Capital Advisory · Updated April 27, 2026
As of
| Program | Current Rate | Term |
|---|---|---|
| SBA 7(a) Hotel Acquisition | 9.25–10.25% | 10–25 yr |
| SBA 504 (Owner-Occupied) | ~5.80% | 10–25 yr |
| CMBS Conduit | 6.5–8.5% | 5–10 yr fixed |
| DSCR / Bridge | 7–10% | 6–24 mo |
| Equipment / FF&E | 6–9% | 3–7 yr |
| Mezzanine / Private Credit | 12–18% | 2–5 yr |
Indicative May 2026 ranges. Pricing depends on RevPAR, occupancy, flag, sponsor experience, and PIP status.
Why Hotel + STR Operators Pick PeerSense
Archetypes our hotel CMBS + SBA + bridge desk underwrites across hospitality.
Replaces maturing SBA 7(a) — sheds personal guarantees on stabilized cash flow
Structured to close inside the 45/180-day 1031 exchange identification window
Standby seller note credited as equity — minimizes buyer cash injection
Reposition + refi-to-agency exit; carry reserve sized to projected NOI lift
Indicative of deal types our institutional capital advisory desk structures. Not a representation of completed transactions. Specific deal data available under NDA on request.
Updates instantly · Estimates only · Talk to PeerSense for committed pricing
Hotel lender shortlists, CMBS guides, and specialized hospitality scenarios.
PeerSense covers the full commercial capital stack. Rates and structures across our money pages — updated weekly.
Up to $5M acquisition / real estate / equipment, 10% down
10-yr non-recourse fixed, $5M–$500M+, fully assumable
12–36 mo transitional, SOFR + 470-970 bps, 65-75% LTV
30-yr fixed rental, qualifies on property cash flow
Loan, lease, SBA 504, vendor, captive — Section 179 eligible
CMBS + SBA 504 + bridge + PIP across all flags
Subordinate to senior, $1M–$50M, capital stack fill
Non-bank flexibility, unitranche, recap, transitional
B2B receivables, trucking / staffing / construction / govt
All rate estimates as of March 2026. Actual rates vary by lender, credit profile, and deal structure.
| Loan Type | Best For | Loan Range | Est. Rate (Mar 2026) | Term | Speed | Down Payment | Key Requirement | Learn More |
|---|---|---|---|---|---|---|---|---|
| SBA 7(a)Recommended | Business acquisition, working capital, expansion | $50K–$5M | 9.25–10.25% | 10–25 years | 45–90 days | 10–20% | U.S. citizenship, 680+ credit | Learn More |
| SBA 504 | Owner-occupied real estate & equipment | $125K–$5.5M | ~5.80% | 10–25 years | 60–120 days | 10% | 51%+ occupancy, job creation | Learn More |
| Equipment Financing | Machinery, vehicles, tech hardware | $10K–$5M | 6–9% | 3–7 years | 7–21 days | 0–20% | Equipment as collateral | Learn More |
| Working Capital | Short-term cash flow, inventory, payroll | $5K–$500K | Factor 1.15–1.45 | 3–18 months | 1–7 days | 0% | $100K+ annual revenue | Learn More |
| Bridge Loan | Quick property acquisition, refinance gap | $100K–$10M | 7–12% | 6–24 months | 5–15 days | 20–35% | Exit strategy required | Learn More |
| DSCR Loan | Rental property investors (no income docs) | $75K–$5M | 7–10% | 15–30 years | 15–30 days | 20–25% | DSCR ≥1.0x | Learn More |
| Mezzanine | Growth capital, acquisitions (subordinated) | $500K–$50M | 12–18% | 3–7 years | 30–60 days | Varies | Strong EBITDA, equity kicker | Learn More |
Business acquisition, working capital, expansion
$50K–$5M
9.25–10.25%
10–25 years
45–90 days
10–20%
U.S. citizenship, 680+ credit
Owner-occupied real estate & equipment
$125K–$5.5M
~5.80%
10–25 years
60–120 days
10%
51%+ occupancy, job creation
Machinery, vehicles, tech hardware
$10K–$5M
6–9%
3–7 years
7–21 days
0–20%
Equipment as collateral
Short-term cash flow, inventory, payroll
$5K–$500K
Factor 1.15–1.45
3–18 months
1–7 days
0%
$100K+ annual revenue
Quick property acquisition, refinance gap
$100K–$10M
7–12%
6–24 months
5–15 days
20–35%
Exit strategy required
Rental property investors (no income docs)
$75K–$5M
7–10%
15–30 years
15–30 days
20–25%
DSCR ≥1.0x
Growth capital, acquisitions (subordinated)
$500K–$50M
12–18%
3–7 years
30–60 days
Varies
Strong EBITDA, equity kicker
Rates are benchmarks only. PeerSense connects you to 500+ lender sources — referral fee at closing.
Rate estimates as of March 2026. Actual rates depend on borrower profile, collateral, and deal structure.
| Loan Type | Best For | Range | Est. Rate | Term | Max LTV |
|---|---|---|---|---|---|
| SBA 7(a) | Hotel/motel acquisition, franchise purchase | $50K–$5M | 9.25–10.25% | 10–25 yr | 90% |
| SBA 504 | Owner-occupied hotel real estate | $125K–$5.5M | ~5.80% | 10–25 yr | 90% |
| CMBSTOP PICK | Stabilized hotel refinance ($2M+) | $2M–$100M+ | 6.5–8.5% | 5–10 yr fixed | 65–75% |
| DSCR / Bridge | Airbnb portfolios, property repositioning | $100K–$10M | 7–10% | 6–24 mo | 75% |
| Equipment Financing | FF&E, kitchen, HVAC, laundry, POS | $10K–$5M | 6–9% | 3–7 yr | 100% |
| Mezzanine / Private Credit | Large acquisitions, portfolio expansion | $1M–$50M | 12–18% | 2–5 yr | 85–90% |
PeerSense is a capital connector only — not a lender. Rates are estimates; actual terms vary by lender.
Current market intelligence from our lender network — not generic advice.
Experienced operator (3+ years) — hotel management experience or a recognized franchise flag dramatically improves SBA approval odds
DSCR above 1.25x — for SBA and CMBS; DSCR loans require 1.0x minimum but 1.25x gets better pricing
Franchise flag (Marriott, Hilton, IHG, Choice) — flagged properties have built-in demand generators and established operating standards that lenders prefer
Stable RevPAR and occupancy — 12+ months of consistent performance data with occupancy above 60% and growing RevPAR
Recent PIP completion or capital plan — properties that have completed a property improvement plan are in the strongest refinancing position
Clean personal credit (680+ for SBA) — required for SBA; CMBS and DSCR loans focus more on property cash flow than personal credit
No hospitality experience — SBA lenders require demonstrated hotel management experience — a franchise training program alone may not suffice for independents
Occupancy below 50% — underperforming properties need a repositioning plan and bridge capital, not permanent financing
Deferred PIP obligations — franchisor-required renovations that have not been completed create lender uncertainty about future capital needs
Seasonal-only operation — properties open fewer than 9 months per year face limited lender appetite and require specialized structuring
Environmental issues — underground storage tanks, asbestos, or Phase I red flags can delay or kill hotel financing deals
Hotel CMBS refinancing is one of the highest-value deal types in the PeerSense network. Properties with stable RevPAR above $80 and 65%+ occupancy are seeing competitive 5-year and 10-year fixed-rate offers. SBA 7(a) hotel acquisitions remain strong — flagged properties with experienced operators are closing in 45-60 days. The biggest bottleneck in 2026: franchise PIP requirements. Properties with deferred renovations face limited options until the PIP is addressed.
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Refinance stabilized hotels with non-recourse CMBS debt
Acquire hotels and motels with 10% down via SBA
Short-term capital for hotel repositioning and renovation
Cash-flow-based financing for short-term rental portfolios
Finance FF&E packages, HVAC, and kitchen equipment
Instant DSCR and LTV check on your hotel deal
PeerSense matches you with the right lender from a network of 500+ sources — SBA, private credit, equipment lenders, and more. No retainers — referral fee paid at closing.
Rates estimated as of March 2026; actual rates vary by lender, deal size, and borrower profile. PeerSense is a capital connector only — not a lender. Referral fee at closing. SBA loans require 100% U.S. citizenship as of March 2026.