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, Talk to PeerSense. 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.
Hotel public floor is $10 million and up. Cash in about 35 percent. Stabilized files go CMBS. Transitional files go bridge.
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.
Finance kitchen equipment, HVAC systems, laundry facilities, POS systems, and furniture packages.
Working capital on this desk is B2B factoring from $20 million a month. $7,500 five day paper is a pass.
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 sources capital through a curated network of commercial lenders and capital sources. 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
Hotel public floor on this desk is $10 million and up. Cash in about 35 percent. CMBS and bridge for stabilized or transitional hospitality. SBA is search. A $2 million hotel refi is a pass. Talk to PeerSense.
, PeerSense Capital Advisory · Updated April 27, 2026
Indicative as of October 1, 2026. Not a quote. Lenders set final pricing at underwriting.
As of
| Program | Current Rate | Term |
|---|---|---|
| SBA 7(a) Hotel Acquisition | 9.25 to 10.25% | 10 to 25 yr |
| SBA 504 (Owner Occupied) | ~5.80% | 10 to 25 yr |
| CMBS Conduit | 6.5 to 8.5% | 5 to 10 yr fixed |
| DSCR / Bridge | 7 to 10% | 6 to 24 mo |
| Equipment / FF&E | 6 to 9% | 3 to 7 yr |
| Mezzanine / Private Credit | 12 to 18% | 2 to 5 yr |
Every rate and term shown reflects indicative offers from independent third party lenders PeerSense connects clients with, as of April 27, 2026. These are not PeerSense rates or facilities. PeerSense connects clients with commercial lenders and capital sources. The funding lender sets its own pricing after full underwriting. Pricing depends on RevPAR, occupancy, flag, sponsor experience, and PIP status.
Indicative only, as of April 27, 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.
Why Hotel + STR Operators Pick PeerSense
Indicative as of October 1, 2026. Not a quote. Lenders set final pricing at underwriting.
Archetypes our hotel CMBS + SBA + bridge desk underwrites across hospitality.
Cash in about 35 percent or better so LTV sits at 65 or under. Files below $10 million sit.
Name the takeout before the term sheet. Public floor is $10 million and up.
Public floor is $10 million and up. Cash in about 35 percent.
Hotel is search only. Public files from $10 million. Cash in about 35 percent.
Search only. Not a growth lane. Standby seller note credited as equity.
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.
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
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.
Hotel lender shortlists, CMBS guides, and specialized hospitality scenarios.
PeerSense covers the full commercial capital stack. These are indicative levels direct capital sources have been pricing across these programs as of October 1, 2026.
Focus $100 million a month. Will look at $10 million a month. $10 million is not the focus.
B2B invoices from $20 million a month. Advance 80 to 95 percent of face.
10 year Non Recourse fixed, $10 million and up, fully assumable
$10 million and up. Cash in about 35 percent. Name the takeout first.
$1 billion to $30 billion plus. Signed or guaranteed hyperscaler lease.
15 year lease signed or guaranteed by a hyperscaler. Size follows the lease.
Hotel financing is search only for $10 million and up, with cash in about 35 percent.
Non bank flexibility for commercial real estate at $10 million and up.
Search path. Not a growth lane on this desk.
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.
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 |
|---|---|---|---|---|---|---|---|---|
| Originator tape | Warehouse and forward flow for books that already buy | Focus $100 million a month | Priced to the tape | Revolving | Follows the tape | About 10 percent in | Clean tape. $10 million a month is not the focus | Learn More |
| B2B factoring | Established operators with creditworthy account debtors | $20 million a month and up | 80 to 95 percent of face | Per invoice | Follows debtor credit | Reserve held to maturity | B2B invoices. Consumer cards are a pass | Learn More |
| CMBS | Stabilized commercial refinance or acquisition | $10 million and up | Market conduit | 5 to 10 years | Follows appraisal and cash in | About 35 percent in | Cash in. A $2 million broker handoff is a pass | Learn More |
| Bridge | Acquisition, reposition, named takeout | $10 million and up | Priced to the takeout | 12 to 36 months | Follows the takeout | About 35 percent in | Name the takeout before the term sheet | Learn More |
| HotelRecommended | Flagged and boutique hospitality, search lane | $10 million and up | CMBS or bridge | Follows the product | Follows cash in and PIP | About 35 percent in | Cash in. Hotel is search, not the volume engine | Learn More |
| Data center | Buildings with hyperscaler offtake | $1 billion to $30 billion plus | Follows the lease | Follows the lease | 60 to 120 days from term sheet | Lease is the credit | Signed or guaranteed hyperscaler lease | Learn More |
Warehouse and forward flow for books that already buy
Focus $100 million a month
Priced to the tape
Revolving
Follows the tape
About 10 percent in
Clean tape. $10 million a month is not the focus
Established operators with creditworthy account debtors
$20 million a month and up
80 to 95 percent of face
Per invoice
Follows debtor credit
Reserve held to maturity
B2B invoices. Consumer cards are a pass
Stabilized commercial refinance or acquisition
$10 million and up
Market conduit
5 to 10 years
Follows appraisal and cash in
About 35 percent in
Cash in. A $2 million broker handoff is a pass
Acquisition, reposition, named takeout
$10 million and up
Priced to the takeout
12 to 36 months
Follows the takeout
About 35 percent in
Name the takeout before the term sheet
Flagged and boutique hospitality, search lane
$10 million and up
CMBS or bridge
Follows the product
Follows cash in and PIP
About 35 percent in
Cash in. Hotel is search, not the volume engine
Buildings with hyperscaler offtake
$1 billion to $30 billion plus
Follows the lease
Follows the lease
60 to 120 days from term sheet
Lease is the credit
Signed or guaranteed hyperscaler lease
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.
Rates are benchmarks only. PeerSense connects you to a curated network of 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 to $5M | 9.25 to 10.25% | 10 to 25 yr | 90% |
| SBA 504 | Owner occupied hotel real estate | $125K to $5.5M | ~5.80% | 10 to 25 yr | 90% |
| CMBSTOP PICK | Stabilized hotel refinance ($10M+) | $10M to $100M+ | 6.5 to 8.5% | 5 to 10 yr fixed | 65 to 75% |
| DSCR / Bridge | Airbnb portfolios, property repositioning | $10M and up | 7 to 10% | 6 to 24 mo | 75% |
| Equipment Financing | FF&E, kitchen, HVAC, laundry, POS | $10M and up | 6 to 9% | 3 to 7 yr | 100% |
| Mezzanine / Private Credit | Large acquisitions, portfolio expansion | $10M to $50M | 12 to 18% | 2 to 5 yr | 85 to 90% |
PeerSense sources capital through a curated network of commercial lenders and capital sources. Rates are estimates. Actual terms vary by capital source.
Current market intelligence from capital sources, 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 sources capital through a curated network of commercial lenders and capital sources. The capital source sets the terms. Referral fee realized at closing.
Rates estimated as of March 2026; actual rates vary by lender, deal size, and borrower profile. PeerSense sources capital through a curated network of commercial lenders and capital sources. Referral fee at closing. SBA loans require 100% U.S. citizenship as of March 2026.