Hospitality Property Loans
AVANA Companies provides specialized hotel loans for branded flags and independent hospitality assets. From ground-up development to renovations and refinancing, our lending team understands the operating complexity, brand standards, and cash-flow dynamics that drive hotel performance.
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SBA 504 Loans
Built for Growth
Fixed-Rate, High LTV (Up to 90%), Long-Term CRE Loans for Owner-Occupied Properties
Backed by $5B+ in SBA lending expertise. Fast, transparent closings tailored for small businesses and brokers.
Financing for Every Stage of Hotel Ownership
Loan Options for Hospitality
SBA 504 Loans
Explore SBA 504 Program →
Conventional Term Loans
Explore Conventional Program →
Bridge Loans
Explore Bridge Program →
Construction Loans
Explore Construction Program →
Key Terms & Structures
Rates and structures vary depending on loan type and borrower qualifications
Loan Sizes
Approximately $1MM to $30MM, depending on program and property profile.
Terms
Short-term bridge and construction: up to 3 years.
Long-term / SBA 504 & conventional: up to 25 years.
Leverage
Up to 75% LTV for many structures.
Up to 90% total project costs for qualifying SBA 504 projects.
Pricing
Market-indexed, generally tied to SOFR, CMT, or Treasury benchmarks, with program-specific spreads.
Extensions
Certain bridge and construction facilities offer annual renewal or extension options, subject to performance and documentation.
Acquisition of existing hotels or portfolios.
Partner buyouts and recapitalizations
Refinancing existing debt, including cash-out for qualified purposes
Ground-up construction and brand-mandated PIPs.
Property upgrades such as room renovations, lobby and F&B enhancements, and energy-efficiency improvements.
For Investors: Why Hospitality Loans Matters
- Provide yield-oriented exposure to stabilized or improving hotel assets.
- Are supported by institutional and community capital partners, helping diversify investor risk across geographies and brands.
- Deliver social and economic impact through sustained employment, tourism-related spending, and local tax revenue—aligned with AVANA’s commitment to community growth.
Submit Application
Submit your application with pre-qualification documents. We’ll review and issue a soft quote within 1 business day
Review
We review initial documents and confirm loan structure and key terms. If the deal meets criteria, we issue a Letter of Intent with proposed terms
Approval & Terms
We complete underwriting and order third-party reports as needed. Credit team issues final approval when complete (timing can vary)
Closing & Funding
We prepare final loan documents, open escrow, and coordinate closing. Funds are released once closing requirements are met
Proven Success Stories
We’ve helped businesses across industries
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Frequently asked questions
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Insights
Our Team
About Sanat Patel
As Chief Lending Officer at AVANA Companies and Chair of the Board at AVANA Bank, Sanat Patel brings more than three decades of experience in financial services, private credit and commercial banking, with a proven track record in loan structuring, risk management, and balance sheet growth. Sanat has led strategic initiatives that connect institutional capital with entrepreneurial ambition, supporting the growth of businesses, and owners engaged in commercial real estate across the U.S. He has built and scaled lending platforms in partnership with banks and credit unions, developing tailored financial solutions that drive job creation and foster inclusive economic development.
Our Team
About Christyna Lane
As a lending participation expert in Southern California, Christyna Lane manages the direct loan placements for AVANA CUSO, a Member of the AVANA Family of Companies, with lenders like credit unions, community banks and other financial institutions while establishing and maintaining relationships for the organization. Joining the CUSO team in 2014, she works in connection with lenders nationwide to assist them in reaching their commercial lending goals and diversifying their portfolio.