Quick answer: Market Capital Lending arranges hotel acquisition, refinance, renovation, and bridge financing for Atlanta-area hospitality properties, using SBA, conventional, and specialty lenders matched to the operator, brand, property, and business plan.
We're a veteran-owned commercial lender and brokerage based in metro Atlanta, serving hotel owners and buyers across the region. To review a specific property, reach out or apply now.
Financing Atlanta hospitality properties
Hotel underwriting combines real estate analysis with operating-business analysis. Lenders review occupancy, average daily rate, revenue per available room, brand strength, management, seasonality, trailing cash flow, competitive supply, and the property-improvement plan. See our full hotel financing program.
Acquisition, refinance and PIP financing
A stabilized acquisition may qualify for SBA or conventional financing. A renovation, franchise conversion, weak trailing period, or urgent closing may require a bridge loan with a clear plan to improve performance and refinance. Understand pricing in our hotel financing rates guide, and cash needs in our hotel loan down payment guide.
What borrowers should prepare
Provide the purchase agreement, trailing financials, STR or franchise reports when available, PIP documentation, renovation budget, sources and uses, ownership résumé, personal financial statement, and a realistic post-closing operating plan. Many hotel acquisitions use SBA 7(a) to combine real estate, FF&E, goodwill, and working capital.
Why use Market Capital Lending
Market Capital Lending is based in metro Atlanta and works with a network of lenders rather than a single hotel program. That allows the transaction to be compared across SBA, conventional, bridge, and other executions. Explore more on our Atlanta commercial loans hub.
Related financing resources
- Hotel financing — SBA, conventional, and bridge structures
- Hotel financing rates — how hotel loan pricing is set
- Hotel loan down payment — the cash you'll need
- SBA 7(a) loans — one loan for real estate, FF&E, and goodwill
- Atlanta commercial loans — all of our Atlanta-area programs
Frequently asked questions
Can an SBA loan finance an Atlanta hotel purchase?
Potentially, when the borrower, property, use of proceeds, and transaction meet SBA and lender requirements.
Can the loan include PIP costs?
Often, with approved plans, budget, franchise documentation, and draw controls.
Can you finance a first-time hotel buyer?
Possibly. Relevant business experience, a qualified management team, liquidity, and a strong property can help.
Do you finance hotels outside Atlanta?
Yes. Market Capital Lending serves Georgia and finances eligible deals in 46 states.