Funded: The Complete SBA Loan Guide for Hotel Owners

Real Answers for Real Business Owners

You've heard the promises: "SBA loans are easy!" "Just fill out some forms!" "Any bank will help you!"

Then you actually try to get one.

The truth? Most SBA loan guides are written by people who've never sat across from an underwriter. They give you theory. You need answers.

Funded: The Complete SBA Loan Guide for Hotel Owners is different.

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Real Scenarios, Real Numbers

Meet Raj, a first-time buyer acquiring a 40-room independent highway motel for $1.8 million. Anil, an experienced operator converting a tired 55-room property to a Choice Hotels flag with a $2.5 million total project. And Sarah, refinancing her boutique hotel's balloon payment before it comes due.

Different deals. Different challenges. All using SBA programs most bankers won't tell you about.

You'll follow their complete journeys — from first bank meeting to funded deal. Every number is real. Every obstacle is one you'll face.

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What's Inside

- SBA 7(a) and 504 for lodging — when each program makes sense
- Hotel acquisition financing — independent vs. flagged property deals
- PIP and renovation loans — financing Property Improvement Plans for brand conversions
- Flag conversion requirements — how brand affiliation changes your financing
- Refinancing existing hotel debt — eliminating balloon payments and locking in rates

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Banker-Verified Content

Every claim in this book has been checked against:
- Current SBA Standard Operating Procedures (SOP 50 10 8)
- 13 CFR Part 120 regulations
- Working lender verification

No outdated advice. No theoretical guesses. Just verified information you can take to your banker.

Updated for 2026 SBA policy changes including new citizenship requirements and credit scoring changes.

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Who this books is for

- Banks see your hotel deal as too risky for conventional lending
- You need longer amortization than conventional loans offer
- Your franchise requires an expensive PIP you need to finance
- You have a balloon payment coming due and need to refinance

If any of these sound familiar, this book was written for you.

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About the Funded Series

The Funded series provides practical, verified SBA lending guides for specific industries. Each book follows real scenarios with actual dollar amounts, giving you the knowledge to walk into any bank with confidence.

Thomas Hartwell | Published by Hartwell Labs