HOTEL SBA BUSINESS PLAN
A hotel-specific SBA business plan with occupancy rate modeling, RevPAR analysis, and brand flag documentation — built for SBA 7(a) and SBA 504 loan approval.
Hotel-specific financials including occupancy modeling, RevPAR, and ADR projections. Same day.
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Hotel SBA loans are among the largest and most complex in the SBA portfolio. Lenders evaluate hotel applications using hospitality-specific metrics — occupancy rates, ADR, RevPAR, and STAR report comparisons — that generic business plan templates cannot produce. A hotel plan that does not reference these metrics, or that projects occupancy rates inconsistent with the local market comp set, will be rejected by any experienced hospitality lender.
Hotel-specific Executive Summary
Occupancy rate projections by season
Average Daily Rate (ADR) and RevPAR modeling
Brand flag or independent hotel positioning
Franchise agreement and flag fee documentation
STR market data integration
Renovation and FF&E cost modeling
5-Year P&L, Balance Sheet, and Cash Flow
DSCR calculation for SBA 7(a) and 504 compliance
Use of Funds (acquisition, renovation, working capital)
Hotels can use both SBA 7(a) loans (up to $5 million) and SBA 504 loans for real estate and major renovations. SBA 504 loans are particularly attractive for hotel acquisitions because they offer lower interest rates for the real estate component.
We use STR market data for your specific market to set realistic occupancy assumptions. Most lenders expect to see a ramp-up from 50-55% in year one to stabilized occupancy of 65-75% by year three, depending on the market.
No, but a brand flag (Marriott, Hilton, IHG, etc.) significantly strengthens the application by providing a proven reservation system and brand recognition. Independent hotels need to demonstrate a stronger marketing strategy and local demand analysis.