Hotel Financing Guide — How to Finance a Hotel Purchase in 2026

Hotel financing - boutique hotel lobby with warm lighting

Direct Answer Box How do you finance a hotel purchase? Hotel financing works through commercial real estate loans — not residential mortgages. Common options include SBA 504 loans (10%-15% down, up to $5M), conventional commercial loans (25%-35% down, stabilized properties), bridge loans (for value-add or distressed acquisitions), and hard money (fast close, asset-based). Lenders evaluate […]