The image shows a two-story motel with beige walls, red doors, and empty parking spaces in front. The sky is blue with scattered clouds.

Loan Programs

Finding the right financing option is crucial for achieving your business goals. Whether you're looking to expand operations, acquire property, or manage cash flow, our loan programs offer tailored solutions to fit your unique needs. With competitive loan-to-value (LTV) ratios, flexible term lengths, and variable interest rates linked to reliable benchmarks, you can choose the program that aligns with your financial objectives. Discover our loan options, including Conventional, SBA 504, CMBS, Bridge, and USDA financing, each designed to support your growth with maximum loan amounts ranging from $10 million to $50 million. Explore specific details and find the perfect fit for your business aspirations today.

The image shows a two-story motel with exterior corridors, a row of doors, windows, parking spaces, and a car parked in front.

1 | SBA 7(A)

The loan-to-value (LTV) ratio for this financing option is capped at less than 90%. Borrowers can secure a maximum loan amount of $10 million. Interest rates are variable, ranging from the Wall Street Journal (WSJ) prime rate plus 0.50% to 2.5%. The loan term options are either 10 or 25 years, with corresponding amortization periods of 10 or 25 years

  • Loan-to-Value Ratio: Less than 90%
  • Maximum Loan Amount: $10 million
  • Interest Rates: Variable, starting from the Wall Street Journal prime rate plus 0.50% and ranging up to 2.5%.
  • Loan Term Options: Choose between 10 or 25 years.
  • Amortization Period: 25 years
The image shows a two-story building with green roofs, a parking lot, and several cars parked outside. The sky is clear and blue.

2 | SBA 504

For this financing option, the loan-to-value (LTV) ratio must be less than 80%. Borrowers can access a maximum loan amount of $20 million. The interest rate is tied to the 3 or 5-year Constant Maturity Treasury (CMT) rate plus 2.50% or more. Term choices include 3, 5, or 10 years, while the corresponding amortization periods are 20 or 25 years.

  • Loan-to-Value (LTV) Ratio: Up to 90%
  • Maximum Loan Amount: Up to $20 million
  • Interest Rate: Tied to the 3 or 5-year Constant Maturity Treasury (CMT) rate, plus 2.50% or more.
  • Term Options: Choose from 3, 5, or 10 years.
  • Amortization Period: 25 years, corresponding to the chosen loan term.
A two-story Motel 6 building with a blue sign, surrounded by palm trees and a parking area.

3 | CMBS

This CMBS (Commercial Mortgage-Backed Securities) financing option requires a loan-to-value (LTV) ratio of less than 75%. Borrowers can obtain a maximum loan amount of $50 million. The interest rate is based on the Secured Overnight Financing Rate (SOFR) plus 2.50% or higher. Term options are available for 5 or 10 years, with corresponding amortization periods of 20 or 30 years.

  • Loan-To-Cost (ltc) Ratio: Up To 75%
  • Interest Rate: Variable Rate.
  • Loan Term Options: Choose Between 3 or 5 Years.
  • Amortization Period: Interest only .
A motel pool area with lounge chairs, red umbrellas, and a two-story building in the background. The scene is sunny and inviting.

4 | Conventional

The loan-to-value (LTV) ratio for this financing option is capped at less than 90%. Borrowers can secure a maximum loan amount of $10 million. Interest rates are variable, ranging from the Wall Street Journal (WSJ) prime rate plus 0.50% to 2.5%. The loan term options are either 10 or 25 years, with corresponding amortization periods of 10 or 25 years.

  • Loan-to-Value (LTV) Ratio: Up to 70%
  • Maximum Loan Amount: Up to $100 million
  • Interest Rates: Variable or Fixed rate option available
  • Loan Term Options: Choose between 10 or 25 years
  • Amortization Period: 25 or 30 years.
The image shows the exterior of a contemporary hotel building with a covered entrance and well-maintained landscaping.

5 | Bridge

This financing option stipulates a loan-to-value (LTV) ratio below 70%. Borrowers are eligible for a maximum loan amount of $25 million. The interest rate is variable, tied to the Wall Street Journal (WSJ) prime rate plus 1.0% or higher. The loan term is fixed at 5 years, with amortization periods available for either 20 or 25 years.

  • Loan-to-Value (LTV) Ratio: Up to 70%
  • Maximum Loan Amount: Up to $100 million
  • Interest Rate: Variable, linked to the Wall Street Journal (WSJ) prime rate plus 1.0% or higher.
  • Loan Term: Fixed at 5 years.
  • Amortization Period: 25 years.
A parking lot with a motel sign on the right and colorful row houses across the street under a partly cloudy sky.

6 | USDA

This financing option requires a loan-to-value (LTV) ratio below 85%. Borrowers can secure a maximum loan amount of $25 million. The interest rate is variable, tied to the Wall Street Journal (WSJ) prime rate plus 0.5% or higher. The loan term is fixed at 5 years, with amortization periods available for either 20 or 25 years.

  • Loan-to-Value (LTV) Ratio: Up to 85%
  • Maximum Loan Amount: Up to $25 million
  • Interest Rate: Variable or Fixed rate
  • Loan Term: Fixed at 25 or 30 years.
  • Amortization Period: Choose between 25 or 30 years.