Working capital for independent hotels and motels.
Fund a renovation, bridge the off-season, or cover a payroll squeeze with revenue-based capital sized to your card volume.
- Approval based on revenue, not just credit
- No collateral, no application fees
- Repayment that flexes with your sales
- A funding partner walks you through your options
See your funding options
5-minute request · no obligation · submitting doesn’t affect your credit
$25k–$500k+
Advance range for hotel operators
Finder, not a lender
We match your request with funding partners — they decide terms
Card volume
Primary factor — not just credit score
5 minutes
To submit your request
How it works
Funding in three simple steps
Tell us about your property
Share a few basics — your property type (hotel, motel, B&B, or boutique), monthly card-transaction volume, time in operation, and how much capital you need. No documents are required to start, and submitting the form does not affect your credit score.
A funding partner reviews your numbers
If your request fits a funding partner's program, we send it to that partner, who reviews it. High card volume is the strongest signal for a larger advance. To finalize options, most funders ask for your last three months of business bank or merchant-processing statements.
Funds arrive; repayment flexes with revenue
If a funding partner extends an offer, they'll walk you through the amount, timeline, and terms directly — we don't set or promise any of those. Many MCA structures are repaid as a set share of your ongoing card receipts, so during a slow shoulder season or a post-storm dip, the daily draw can decrease alongside your revenue.
Why business owners choose revenue-based funding
High card volume can unlock larger advances
Hotels and motels process among the highest card volumes of any small business. Funders size advances against that card revenue, which is why qualified hotel operators may access advances well above what lighter-volume businesses see.
Repayment that moves with occupancy
Revenue-based repayment takes a fixed percentage of daily or weekly card receipts — lighter in your off-season, heavier in peak months. You are never locked into a flat monthly payment that ignores your actual bookings.
Renovation and PIP capital without CMBS or SBA timelines
Brand-mandated property improvement plans and independent renovations often can't wait six to twelve months for a commercial mortgage or SBA loan to close. A merchant cash advance may deliver working capital in days, letting you start the project on your schedule.
No real-estate collateral required
Unlike a traditional hospitality loan secured by your property, a merchant cash advance is an unsecured commercial financing product. You are not pledging your building, your FF&E, or a personal residence to access working capital.
Common questions
How does card volume determine how much an independent hotel may qualify for?
A merchant cash advance is the purchase of a portion of your future card-based revenue at a discount. Funders typically size the advance as a multiple of your average monthly card-processing volume — so a property running $80,000 a month in card receipts is likely to qualify for a larger advance than one running $20,000. The funding partner will use your actual merchant-processing or bank statements to calculate a realistic range.
Does revenue-based repayment actually help during the off-season?
Yes, that is the core structural benefit for seasonal properties. Because repayment is taken as a percentage of card receipts rather than a fixed monthly installment, the daily draw shrinks automatically when occupancy falls. A lodge that pulls 70 percent of revenue in summer and 30 percent in winter pays more in summer and less in winter without renegotiating any terms.
Why would a hotel owner choose MCA funding over an SBA loan or CMBS refinance for a renovation or PIP?
SBA 7(a) and 504 loans typically take 60–120 days from application to funding, and CMBS refinancing can take even longer. A property improvement plan imposed by a flag, or a time-sensitive capital project, may not accommodate that timeline. A merchant cash advance can often be approved and funded in days, though the cost of capital is generally higher, so weigh speed against long-run cost for your specific situation.
Are independent (unflagged) hotels and motels eligible, or only branded properties?
Independent hotels, motels, B&Bs, boutique properties, and extended-stay operators are all considered. Funders look primarily at your card-processing history and cash flow, not at whether you carry a franchise flag. Independent operators often find MCA more accessible than brand-affiliated financing programs precisely because there is no corporate approval layer involved.
How quickly could a hotel operator receive funds after applying?
We're a referral service, not a lender — once a funding partner has your bank or merchant-processing statements in hand, it will tell you its own decision and funding timeline directly. Complete documents are the biggest lever you have over how fast that conversation happens.
What documents does a hotel typically need to provide?
Starting a request requires nothing beyond the short intake form. To finalize an offer, most funders ask for three to four months of business bank statements or merchant-processing statements, a government-issued ID, and basic property information (type, room count, approximate monthly card volume). The funding partner will tell you exactly what applies to your situation.
Prefer to compare other lenders?
The form above is the fastest way to see your options — it reaches a funding partner directly. If you would rather shop around first, these independent lenders serve the same kind of business.
Bizcap
Same-day business funding for 1+ year old businesses with $20K+ monthly revenue
- Conditional offer with no obligation to accept
- Approval quoted within 3 hours, same-day funding possible
- Considers businesses with poor credit or existing financing
These are independent lenders, not part of FrontDesk Funds. We may be paid a referral fee if you apply or are funded through one of these links. Being listed here is not a recommendation, an offer of credit, or a guarantee of approval — terms, rates and eligibility are set entirely by the lender.
Ready to see what your business qualifies for?
It takes about five minutes, there’s no cost or obligation, and submitting the form won’t affect your credit score.
Start my free request →FrontDesk Funds is a marketing and lead-referral service operated by Merchant Dash LLC for business owners seeking commercial financing — not a lender or financial advisor. We connect you with third-party funding partners who independently review your information; we do not make credit decisions or guarantee funding. We may receive compensation from funding partners we refer you to. All financing is for business purposes only. Rates, fees, amounts, and terms vary by partner and your business profile, and any offer is subject to the partner's underwriting. Submitting a request places you under no obligation.