Serving Dallas-Fort Worth

Hotel Loans in Dallas, TX

Hotel loans are commercial financing programs structured around hospitality cash flow, brand performance, and PIP (Property Improvement Plan) cycles. SBA 7(a) and 504 are heavily used for limited-service hotel acquisitions; conventional CMBS and bridge debt cover larger full-service and luxury deals.

No upfront fees, ever
Compare multiple lenders in one call
Texas-based advisors
Soft credit pull (no credit hit to quote)

Call (469) 213-1499 Apply Now

Hotel Loans for Dallas-area business owners

Program at a glance

Typical loan amount: $500K - $10M+ (SBA) · much larger conventional/CMBS
Funding speed: 60 - 120 days
Term length: 10-25 years (SBA) · 5-10 years (CMBS) · 1-3 years (bridge)
To qualify: Sponsor hotel experience, franchise approval, sufficient liquidity, asset DSCR ≥ 1.3

Ranges are typical for Dallas-area files. Final rates and terms depend on the lender and borrower profile.

Written & reviewed by the Compass Lenders advisory teamDallas-Fort Worth business financing advisorsUpdated June 2026

What it is

Hotel Loans, explained in plain English

For Dallas-area hotel sponsors we structure acquisition, refinance, brand PIP, and bridge-to-perm financing across SBA, bank, debt fund, and CMBS lenders depending on flag, RevPAR trend, and sponsor experience.

Compass Lenders is not a lender. We're a Dallas-based advisory firm that places your file with the lender most likely to fund it on the best terms, and we get paid only when your deal closes.

Who it's best for

A good fit if you recognize yourself here

Hotel Loans tends to be the right choice in specific situations. If one or more of these describes you, it's worth a 15-minute call.

Business types

Hotel sponsors acquiring limited-service or boutique properties
Owners executing a brand-mandated PIP
Operators refinancing maturing hotel debt
Hotel buyers in 1031 exchange timelines
Sponsors converting underperforming assets between flags

Situations it fits

You're acquiring a hotel with a brand-required PIP
You're refinancing pre-COVID debt that's maturing
You're executing a flag change or repositioning
You need bridge debt to stabilize before perm financing

Typical terms

The numbers, as straight as we can give them

These are typical ranges for hotel loans files we place for Dallas-area borrowers. Final rates and terms depend on the lender and the borrower profile.

Typical loan amount: $500K - $10M+ (SBA) · much larger conventional/CMBS
Term length: 10-25 years (SBA) · 5-10 years (CMBS) · 1-3 years (bridge)
Time to funding: 60 - 120 days
Qualification basics: Sponsor hotel experience, franchise approval, sufficient liquidity, asset DSCR ≥ 1.3
Documentation: STR/HotStats, P&L, brand approval, franchise docs, sponsor REO + PFS
Cost to apply: $0 upfront. No fees, no obligation.

How to apply

From first call to funded in days

01
Talk to a Dallas advisor
Quick 15-minute call. We confirm hotel loans is the right structure, or recommend a better-fitting program.
02
Submit your file
One-page application plus 3 months of business bank statements. Most files don't require tax returns.
03
Compare real offers
Within 24-72 hours we bring back 2-4 funded offers from lenders actively writing this program for Texas borrowers.
04
Sign and fund
Pick the offer that fits. Funds land in your business account, often the same business day.

Call (469) 213-1499 Start my application

Benefits

Why Dallas owners pick hotel loans through us

Decisions in hours

Files for hotel loans are usually screened the same day they arrive.

No upfront fees

We're paid by the lender on close. You see real offers before any commitment.

Multiple lenders, one file

One application, side-by-side offers, so you choose on facts, not pressure.

Texas-based advisors

Local underwriters who understand Dallas business profiles and Texas filings.

Soft credit pull to quote

Initial review is a soft pull, with no impact to your personal credit score.

Built around your cash cycle

Term, draw structure, and payment cadence sized to how your revenue actually arrives.

Common uses

How Dallas businesses actually use it

A few of the real-world reasons hotel loans shows up in our pipeline each month.

Use case

Hotel acquisition

SBA 7(a) / 504 or conventional financing for limited-service and select-service hotel acquisitions.

Use case

PIP (Property Improvement Plan)

Finance brand-mandated renovations as part of acquisition or refinance.

Use case

Refinance maturing hotel debt

Roll maturing CMBS or bank debt into a new perm or bridge facility.

Use case

Flag change or repositioning

Fund the conversion costs and stabilization runway.

Use case

Bridge to stabilization

Short-term debt while the asset ramps to underwritable cash flow for permanent financing.

FAQ

Hotel Loans questions, answered

What's the max SBA hotel loan amount?

SBA 7(a) caps at $5M. Combining 7(a) with 504 or conventional structures can stretch total proceeds significantly higher.

Do I need prior hotel experience?

Strongly preferred. First-time hotel sponsors often need a co-borrower with hospitality experience or a strong third-party management contract.

Can I finance the PIP as part of the acquisition?

Yes. SBA and conventional acquisition loans routinely include PIP funds as part of the use of proceeds. Final rates and terms depend on the lender and the borrower's profile.

What flags do lenders prefer?

Major branded flags (Marriott, Hilton, IHG, Hyatt, Choice) get the best pricing. Independent and soft-brand hotels can still finance but pricing reflects the additional risk.

How long does a hotel loan take to close?

SBA 60-90 days; conventional 60-120 days; bridge debt 30-60 days.

Related financing