Hospitality Bridge Loans
We structure and underwrite hotel bridge financing for acquisitions, refinance, PIP renovations, reflags, and construction takeouts. Senior bridge debt, mezzanine, and preferred equity with clear covenants, reserves, and a tight closing plan. Full KYC, AML, and sanctions screening on every mandate.
What We Finance
Acquisitions
Time sensitive hotel buys, portfolio carve outs, and off market opportunities with franchise approvals in flight.
Refinance
Maturity walls, rate resets, partner buyouts, and cash out for capex or PIP escrow.
PIP and Reflag
Brand transfers, key money structures, FF&E and soft costs with verified bids and milestones.
Construction Takeout
Stabilization bridges after C.O., ramp to agency or life co perm, burn off guarantees with tested DSCR.
Target Property Types
Select Service
Flagged assets with stable RevPAR and clear PIP scope.
Limited Service
Strong highway and suburban locations with steady ADR and occupancy.
Extended Stay
Corporate mix, weekly length of stay, and cost controls that support margins.
Lifestyle and Boutique
Urban and resort concepts with compelling comps and sponsor track record.
Resort
Seasonal ADR swings managed with reserves and dynamic pricing plans.
Capital Stack We Arrange
Senior Bridge
First lien, interest only, with TI, PIP, interest, and tax reserves sized to the plan.
Mezzanine
Second lien or unsecured with tested intercreditor terms to close equity gaps.
Preferred Equity
Structured distributions and control rights that sit outside the mortgage.
What Improves Approval
Brand and PIP Clarity
Executed franchise docs, approved PIP scope, vendor quotes, and realistic timelines.
Operating Plan
Manager credentials, labor model, channel mix, and revenue management strategy tied to comps.
KPIs and Exit
RevPAR, ADR, occupancy targets with a clear path to perm debt or sale inside term.
Clean Controls
Cash management, FF&E reserve, PIP draws, KPI reporting, and covenant tracking.
Typical Terms
- LTV.
Up to 65 percent of as is value. Up to 70 percent on strong flags and markets.
- LTC.
Up to 75 to 80 percent with verified PIP and contingency.
- Loan size.
USD 5 million to USD 150 million. Larger on a club basis.
- Tenor.
12 to 36 months with extensions tied to milestones.
- Pricing.
Floating rate with spread set by DSCR, leverage, and ramp risk.
- Covenants.
Minimum DSCR, liquidity floor, monthly KPI reporting, budget variance limits.
Process
1
Screen and Structure
We assess story, collateral, brand status, PIP scope, and exit. We map the capital stack, controls, and timeline to close.
2
Underwrite and Term Sheet
We price with lenders and private credit funds, align intercreditor terms, and issue a term sheet with conditions precedent.
3
Documentation and Close
We finalize loan documents, security, reserves, draw schedules, and reporting. Funds flow and post close milestones are set.
What To Send For Pricing
Financials
Trailing 24 months P&L, T 12, T 3, STR or comp set, balance sheet, and tax returns.
Asset and Brand
Franchise status, PIP scope and bids, photos, leases, management agreement, and ADR or RevPAR history.
Sponsor
Bio, track record, REO, org chart, GC details, and manager credentials.
Request A Hospitality Bridge Term Sheet
Share the address, keys, franchise status, PIP scope, loan amount, uses of proceeds, and target closing date. We will revert with lender route, pricing, and a checklist.
Start Your Funding Mandate
Financely is an arranger and underwriter. We are not a direct lender. Engagements are best efforts and subject to due diligence, KYC and AML, sanctions screening, and approval by lending partners. Nothing here is a commitment to lend or to buy securities.