The #1 Lender for Hospitality Businesses

Line of Credit • Working Capital • Flex Pay Loan • Bridge Loan

Backed by a well-established track record for providing hospitality financing, our team of personal financial consultants specialize in providing the trusted lending services you need to keep your hospitality business profitable and on track to achieve your long-term goals. It doesn’t matter if you’re in accommodations, food and beverage, or travel and tourism, we can help you capitalize on your business’ potential with access to the right loan products, and we do it fast.

At ARF, our focus is to get you the capital you need when you need it, all while providing seasoned guidance to help you maximize your return on investment.

We’re devoted to sticking by your side for the long haul, ensuring you can capitalize on new business opportunities as they develop. Here are some valuable options to put hospitality financing to work in your business:

Opening a new location

Renovating or remodeling your existing establishment

Expanding your services and offerings

Ensuring more efficient business operations

What Is A Hospitality Loan?

A hospitality loan is a financing product designed specifically for a business that fits the criteria of a hospitality company such as hotels, motels, bed and breakfasts, inns and hostels. A hospitality loan is different from other types of loans because the underwriting criteria is designed to accommodate the unique needs of hospitality businesses. This is because hotels, motels and others in the hotel industry have additional income in addition to their day to day hotel operations. These income streams may come from pay per view movies, internet charges, telephone charges, restaurant meals, business center services and other add-on amenities. All of these income streams contribute to their net operations and the underwriting process needs to allow for it in addition to their room revenue. Most hotel owners would simply not be able to qualify for traditional bank loans because the underwriting process does not take into account anything outside of their net room operations. At ARF Financial, we understand the unique mix of issues hoteliers face and we have created loan products just for hotel, motel, bed/breakfast and inn owners. Our hospitality loans and financing options include working capital loans, lines of credit, bridge loans and more.

Benefits of a Hospitality Loan

A hospitality loan ensures that your lender has reasonable expectations for your loan. This means that seasonality is taken into account and adjustments can be made for those slow cash flow periods. This is simply not an option with a traditional bank loan. Other benefits of our hospitality loans include:

  • Less than perfect credit is not a barrier
  • Flexible terms up to 18 months
  • There is very little paperwork
  • Approvals are granted quickly
  • Excellent customer service
  • The interest is tax deductible
  • No hard credit pulls so your credit score won’t be affected.

If you are the owner of a hotel, motel, inn or bed and breakfast, let ARF Financial guide you through the process of gaining the hospitality financing you need.

What Are Hospitality Loans Used For?

Hospitality financing allows you to take advantage of emerging opportunities. Perhaps the opportunity on the table is to open another location.  It may be adding a pool, a restaurant, a patio or bar to attract more business. No matter what the future holds, ARF Financial is your best choice for capitalizing on new potential – often when conventional banks simply won’t consider it. You can access between $5,000 and $1,000,000, without the aggravation that comes with dealing with the bank. We have seen just about every business reason why a hospitality business owner will need a line of credit. Every few years, someone will truly stump us but these are rare. If you do not see your business reason below, don’t be alarmed because we have probably already processed a loan for it and can correctly guide you through it. Below are just a few recurring reasons hotel owners choose ARF Financial over the past few decades.

  • Equipment financing
  • Inventory financing
  • Renovations
  • Expansions
  • Buy/open a new location
  • Buy/open a franchise
  • Pay for franchise obligations
  • Liquor licenses
  • Other licenses
  • Signage
  • Adding catering services
  • Revamping restaurant menu and bar options
  • Marketing and advertising the business
  • Adding other services
  • Upgrading computer systems
  • Pay business taxes
  • Pay off expensive loans and cash advances from other companies
  • Operating capital for Slow Cash Flow Periods or Seasonality
  • Buy out a business partner

Because of our special expertise in the hospitality industry, ARF Financial is able to analyze your specific business challenges and opportunities, maximizing the potential for the financing you need to grow.

How To Qualify For A Hospitality Loan

Hospitality loans, like many  types of business loans, are based on different qualifying criteria. No single requirement will guarantee a hospitality loan. However, hotel owners must be prepared to produce key documents about their business and other personal data to guarantee the line of credit.

  • Time in Business

A key criteria of a hospitality loan is the number of years the hotel has been operating. Even if your hotel has outstanding cash flow and an excellent credit score, you still may not receive a hospitality loan if the time in business falls short of the required minimum. At ARF Financial, hotel owners need to be in business for a minimum of 1 month in order to qualify for a hospitality loan. Again, we will work with your unique circumstances as much as possible up to and including balancing the desired loan amount with credit scores, cash flows, time in business etc.

  • Business Checking or Savings Accounts

When it comes to qualifying for a hospitality loan, a checking account gives definitive evidence of the business’ cash flow, if your hotel does not have one, it can create difficulty in assessing the creditworthiness for a hospitality loan. Typically, we will ask to see at least three months of bank statements. This will corroborate information from your accounting documents as well provide insights into your cash flow and overall financial health of your restaurant.

  • Loan Amount

Believe it or not, the amount of the hospitality loan also affects the approval process. The amount of the loan will affect the repayment options available which will, in turn, affect the amount of the weekly or monthly repayment amount. Hotel owners with smaller, consistent cash flows may not qualify for the larger loan amounts which will require larger weekly or monthly payments.

  • Credit Score

Please note we did not list your credit score as the first or most important qualifying criteria for a hospitality loan. While this all-important number can make or break your loan application for a traditional bank loan, ARF Financial uses a unique mix of criteria working with your unique circumstances in order to make a final decision. We have also partnered with many bank partners to offer even more options for hotel owners with less than perfect credit but good operating potential.

  • Annual Sales

At ARF Financial, we require businesses to bring in a minimum annual income of $100,000 to qualify for our hospitality loans.

  • Debt to Credit Ratio

ARF Financial, like most lenders, will also examine your debt to credit ratio in order to qualify for our hospitality loans. If your hotel is carrying too much debt, we will regularly offer to pay off competitor loans if your business qualifies. Your personal debt to credit ratio will also be examined as this is an avenue of opportunity if your business runs into cash flow issues.

  • Reason For The Loan

Unlike other lenders, ARF Financial does not dictate what the business line of credit loan is used for. We do specify that all loan proceeds are used for business purposes only. There have been a few instances where a specific loan had dictates such as when used for competitor payoffs. Many lenders will not accept third party payoffs on their loans and cash advances. As such, ARF Financial will then grant the loan proceeds to the hotel owner and include legal language to guarantee the loan proceeds are used to pay off those competitor loans only. This guarantees the hotel’s cash flow is not compromised by having too many loans on the books.

  • Hotel-Specific Qualifying Criteria

Hospitality loans and financing requires lenders like ARF Financial to take a hard look at each individual department’s profitability so you must be prepared to share income, expenses and other revenue statements for each department. Hospitality financing decisions are made essentially on what is available from all consolidated departmental operating statements of each hotel.

How To Apply For A Hospitality Loan

If you are a business owner looking for a hospitality loan with guaranteed rates, fixed terms and affordable payments, simply begin your online application today. We have local loan consultants who are knowledgeable about your specific market and will work side by side with you throughout the process. Our online application is free and there are no hard credit pulls so your credit will not be affected. Get your online offer today! 

Hospitality Funding That Fits Your Business


Add a pool, restaurant, patio, or bar to drive profitability and attract more business with the right loan products.


Seize the next opportunity to refurbish your property while maximizing your return with convenient funding.

Bed & Breakfast Inns

Upgrade your space, increase your offers, or expand to multiple branches with our flexible financing options.


ARF Financial LLC is an exclusive third party originator and servicer of commercial loans for state charted community banks throughout the United States (“Partner Banks”), (collectively herein referred to as “Lender”). This Preliminary Loan Amount is based upon pre-underwriting standards consistent with Lender’s guidelines. This Preliminary Loan Amount is based upon the information provided by the Merchant in the Loan Calculator. This approval is contingent upon the accuracy and truthfulness of the information provided by the Merchant therein and on any additional information discovered by Lender during the Underwriting process including but not limited to the review of all financial information provided by the Merchant, the credit of any guarantor and/or any information available from the public domain relating to the business’ or the guarantor’s outstanding liens and judgments, collection issues, history of fraud, bankruptcy, or criminal activity; the status of the Merchant’s business entity with the State where they are located; or any other information that may reflect on the business or guarantor’s ability to repay this loan. The terms of this Preliminary Loan Amount may change based upon the review of all information noted above. The terms of this Preliminary Loan Amount (noted above or if modified during the Underwriting process) are not deemed approved until the Merchant agrees to and executes all necessary Loan documents and the Loan documents are countersigned and approved by an Officer of Lender. If Merchant executed no Universal Merchant Credit Application then this Preliminary Loan Amount is for discussion purposes only.

Receive an offer and approval for funds in 24 to 48 hours when you apply online!

Through our New Client Rewards Program you can receive a free Amex Gift Card up to $3,000* – no strings attached – as soon as your loan funds.

Our INSIGHT Report highlights key trends, summarizes critical information and provides a comprehensive review of your business’ creditworthiness.