SBA Hotel Loan Programs
SBA 504 and 7(a) programs can finance qualifying hotel acquisitions and improvements with favorable terms for eligible borrowers. Midas helps determine SBA fit and connect you with SBA-preferred lenders.
Who It's For
Owner-operators and sponsors meeting SBA eligibility requirements, including occupancy thresholds, job creation criteria, and personal guarantee standards.
Common Use Cases
- Owner-occupied or operator-led hotel acquisition
- Ground-up construction with SBA 504
- Renovation and expansion with SBA participation
How Lenders Evaluate
SBA lenders apply SBA SOP requirements plus their own credit policies. Personal guarantees, liquidity tests, and business plan viability are central. Timelines are typically longer than conventional.
Typical Documentation
- SBA borrower information forms
- Business plan and projections
- Personal financial statements (all 20%+ owners)
- Tax returns (business and personal)
- Franchise agreement and STR history
How Midas Helps
We assess SBA eligibility early, match you with active SBA hotel lenders, and guide document preparation to reduce processing delays.
Midas Financials is a broker/advisor, not a direct lender. Financing is subject to lender approval. Terms depend on borrower strength, property performance, and market conditions.
Related Financing Options
Hotel Financing
Hotel financing brokerage for acquisitions, refinances, and PIP projects in Texas. Midas connects sponsors with appropriate lenders — subject to approval.
Learn more →Hotel Acquisition Loans
Hotel acquisition loan brokerage in Texas. Connect with lenders for flagged and independent hotel purchases — financing subject to lender approval.
Learn more →Construction & PIP Financing
Construction and PIP financing for hotel renovations and ground-up projects in Texas. Subject to lender approval and project feasibility review.
Learn more →Frequently Asked Questions
Should I pursue SBA or conventional financing?
How long does commercial financing typically take?
What documents will I need to submit?
Ready to explore financing options?
Submit your deal details and our team will review lender fit, documentation needs, and next steps. Financing is subject to lender approval — we help you navigate the process as your broker/advisor.