Hotels and Hospitality Financing
Unlock the full potential of your hotel or hospitality property with tailored financing solutions designed to meet the unique needs of this dynamic industry. Whether you’re acquiring, refinancing, or developing a hospitality property, we provide comprehensive services to help you succeed.
Why Choose Us?
With extensive experience in the hospitality sector, we understand the complexities of financing hotels, resorts, and other hospitality businesses. Our team specializes in creating customized loan solutions that align with your business goals, ensuring competitive rates, efficient processes, and expert guidance at every step.
Key Features of Our Hotel and Hospitality Financing
- Loan Amounts: $500,000 to $100 million+
- Loan Types: Acquisition, Refinancing, Construction, Renovation, and Development
- Max Loan-to-Value (LTV): Up to 75%
- Amortization Terms: 20–30 years
- Interest Rates: Competitive rates available upon request
- Time to Close: Underwriting timelines range from 15 to 90 days – transaction specific
Borrower Requirements
- Minimum FICO: Underwriting Specific – see below
- Recourse and Non-Recourse options: Available
- Strong financials and operational history: Preferred
- Occupancy Types: Owner-occupied or investor-owned properties
Specialized Hospitality Considerations
- Occupancy Rates: Understand and leverage your property’s occupancy trends.
- Revenue Streams: Evaluate room revenue, food & beverage revenue, and other income sources.
- Franchise Agreements: Assess the terms and impact of franchise agreements.
- Amenities and Facilities: Pools, meeting rooms, fitness centers, and other features that enhance guest experiences.
- Market Position: Analyze market competition, location, and guest demographics.
Example Property Types We Finance
- Full-Service Hotels
- Limited-Service Hotels
- Boutique Hotels
- Extended-Stay Properties
- Resorts
- Mixed-Use Developments with Hospitality Components
Tailored Solutions for Office Property Owners and Investors
Whether you’re looking to acquire a new office property, refinance an existing one, or fund value-add improvements, we provide end-to-end support to ensure a seamless financing process.
Contact Us Today
Ready to explore financing options for your multifamily property? Contact our team to discuss your needs and discover customized solutions.
Full Doc Underwriting
Limited Doc Underwriting
Common Sense Underwriting
Kastali’s Term Lending (Non-SBA)
| Time Required to Close | 45-60 Days on Average |
| Loan Size | 500k to 3M |
| Loan Type | Purchase, Rate & Term, & Limited Cash-Out |
| Loan Purpose | Stabilized Properties, Cross Collateralize – Portfolio, Real Estate (RE) Only, Long-Term Hold, Use Equity – Business Purpose, USDA – Rural |
| Max LTV | Up to 65-70% LTV |
| Terms | 5, 7, 10yr terms |
| Amortization | 20-25yrs |
| Rates | On request – Please Call |
| DSCR Requirement | 1.25x to 1.45x |
| Lien Position | First Trust Deed Only |
| Borrower Entity | Corporate Structure Required |
| Minimum FICO | 680+ Minimum |
| Prepayment Penalty | Yes – Step down |
| Recourse | Full Recourse |
| Occupancy Requirement | Investor / Owner-Occupied |
| Lender Origination Fees | 0.5%-1.5% |
| Broker Fees | 1%-2% |
| Due Diligence Retainer | $2,500-$7,500+ |
| Packaging Deposit | $895 – Refundable |
| Locations | Continental US |
| Special Requirements | Good Credit History |
***For real estate professional use only, not meant for the general public.
***Rates and terms subject to change without notice.
Kastali’s SBA 504/7a
| Time Required to Close | 60-90 Days on Average |
| Loan Size | 500k to 10M (504) / (7a) |
| Loan Type | Purchase, Rate & Term, Cash-Out |
| Loan Purpose | Small Business, Business Only, Real Estate (RE) Only, RE & Business, Stabilized Businesses, USDA – Rural, Construction to Perm, Equipment Financing, Working Capital Loans, Franchise Financing, Owner-Occupied Commercial Real Estate Financing, Use Equity – Business Purpose |
| Max LTV | Up to 85-90% LTV (504) / (7a) |
| Terms | 5, 7, 10 Up to 25yr (504) / (7a) |
| Amortization | 25yrs |
| Rates | Based on SBA rates – Call for details |
| DSCR Requirement | 1.15x to 1.25x |
| Lien Position | First Trust Deed Only |
| Borrower Entity | For-Profit Business Entity |
| Minimum FICO | 640+ for SBA |
| Prepayment Penalty | SBA Guidelines Apply |
| Recourse | Full Personal Guarantee |
| Occupancy Requirement | 51%+ Owner Occupied |
| Lender Origination Fees | SBA Fee Schedule + 0.5-1.5% |
| Broker Fees | 1%-2% |
| Due Diligence Retainer | $7,500-$12,000+ |
| Packaging Deposit | $895 – Refundable |
| Locations | Continental US |
| Special Requirements | 2+ Years Business History |
***For real estate professional use only, not meant for the general public.
***Rates and terms subject to change without notice.
Kastali’s CMBS / Life Co. Lending
| Time Required to Close | 60-90 Days on Average |
| Loan Size | 3M to 100M+ |
| Loan Type | Purchase, Rate & Term, Cash-Out |
| Loan Purpose | Stabilized Properties, Real Estate (RE) Only, Cross Collateralize – Portfolio, Large Balance – Institutional Properties, Long-Term Hold, Use Equity – Business Purpose |
| Max LTV | Up to 75% LTV |
| Terms | 5, 7, 10yr terms |
| Amortization | 25-30yrs |
| Rates | On request – Please Call |
| DSCR Requirement | 1.25x to 1.45x DSCR |
| Lien Position | First Trust Deed Only |
| Borrower Entity | Single Asset Entity |
| Minimum FICO | 700+ preferred / 680 min |
| Prepayment Penalty | Yield Maintenance/Step down |
| Recourse | Non-Recourse Available |
| Occupancy Requirement | Investor / Owner-Occupied |
| Lender Origination Fees | 0.5%-1.5% |
| Broker Fees | 1%-2% |
| Due Diligence Retainer | $10,000-$15,000+ |
| Packaging Deposit | $895 – Refundable |
| Locations | Continental US |
| Special Requirements | Strong Property Financials |
***For real estate professional use only, not meant for the general public.
***Rates and terms subject to change without notice.
Full Doc Underwriting
Limited Doc Underwriting
Common Sense Underwriting
Kastali’s Bridge Lending
| Time Required to Close | 4-6 Weeks on Average |
| Loan Size | 500k to 50M+ |
| Loan Type | Purchase, Rate & Term, Cash-Out |
| Loan Purpose | Bridge to Perm / Sell, Value-Add / Light Rehab Fix n Flip/Hold, Value-Add / Lease-Up & Stabilize, Construction to Perm, Quick Close, Bad Credit, Light Document, Reduced Underwriting, Short-Term, Distressed Property, Use Equity – Business Purpose |
| Max LTV | Up to 70% LTV |
| Terms | 1-3yr terms |
| Amortization | 25-30yrs – Typically I/O |
| Rates | On request – Please Call |
| DSCR Requirement | 1.0x DSCR minimum |
| Lien Position | First Trust Deed Only |
| Borrower Entity | Single Asset Entity |
| Minimum FICO | 680+ preferred / 650 min |
| Prepayment Penalty | Typically 3-1% step down |
| Recourse | Typically Recourse |
| Occupancy Requirement | Investor / Owner-Occupied |
| Lender Origination Fees | 1%-3% |
| Broker Fees | 1%-2% |
| Due Diligence Retainer | $5,000-$7,500+ |
| Packaging Deposit | $895 – Refundable |
| Locations | Continental US |
| Special Requirements | Exit Strategy Required |
***For real estate professional use only, not meant for the general public.
***Rates and terms subject to change without notice.
Full Doc Underwriting
Limited Doc Underwriting
Common Sense Underwriting
Kastali’s Hard Money Lending
| Loan Processing Time | 1-2 Weeks on Average |
| Loan Amount | $500K to $20M+ |
| Loan Purpose | Purchase, Rate & Term, Cash-Out |
| Property Types | Quick Close, Bad Credit, Light Document, Value-Add / Light Rehab Fix n Flip/Hold, Value-Add / Repurpose, Construction – Heavy / Add Sq. Ft, Construction – Land Development, Non-Performing Asset Acquisition, Distressed Borrowers, Distressed Property, Use Equity – Business Purpose |
| LTV (Loan to Value) | Up to 65% LTV |
| Loan Terms | 12-18mo Terms |
| Payment Type | Interest Only – I/O |
| Interest Rate | On request – Please Call |
| Prepayment Penalty | Not typically required |
| Collateral | First Trust Deed Only |
| Entity Type | Single Asset Entity |
| Credit Score | 600+ preferred / 550 min |
| Prepayment Fee | Typically None |
| Recourse | Typically Recourse |
| Owner Occupancy | Investor / Owner-Occupied |
| Fees | 2%-3% |
| Origination Fee | 1%-2% |
| Loan Fees | $7,500-$12,000+ |
| Refundable Fee | $895 – Refundable |
| Geographical Availability | Continental US |
| Exit Strategy | Exit Strategy Required |
***For real estate professional use only, not meant for the general public.
***Rates and terms subject to change without notice.