Contact a Banker > 212-244-7400
Contact a Banker > 212-244-7400
First National provides hospitality an hotel financing structured for acquisition, refinance, renovation, construction, and expansion. As a direct commercial real estate lender, we fund and service our own loans, delivering capital solutions for hospitality properties nationwide.
Our underwriting approach reflects the operational and revenue-driven nature of hotel assets.
We provide commercial real estate loans for:
Full-service hotels
Limited-service hotels
Boutique properties
Resorts
Flagged and independent properties
Motel and extended-stay assets
Because hospitality assets are performance-driven real estate investments, our loan structures are designed around both asset fundamentals and revenue stability.
Structured loans for purchasing stabilized or value-add hotel properties. Terms are evaluated based on historical operating performance, market positioning, and sponsorship strength.
Short-term bridge financing for repositioning, renovation, recapitalization, or transitional ownership prior to permanent financing.
Refinance existing hotel loans to improve rate, restructure leverage, or optimize capital stack.
Funding for property improvements, brand conversions, property improvement plans (PIPs), expansions, or ground-up development.
Each transaction is structured individually; however, hotel loans may include:
Competitive loan-to-value (LTV) ratios
Debt service coverage ratio (DSCR) underwriting
Fixed or floating rate structures
Interest-only periods where appropriate
Recourse or non-recourse options
Loan size and leverage are determined by asset performance, flag strength, management experience, and market fundamentals.
Because hotel properties are revenue-sensitive assets, lenders evaluate:
Historical occupancy and ADR trends
RevPAR performance
Brand affiliation or franchise strength
Management experience
Market demand and location fundamentals
Our in-house due diligence process ensures financing aligns with both asset value and operational sustainability.
Unlike other platforms or channels, First National operates as a principal lender.
This provides:
Direct access to decision-makers
Streamlined underwriting
Transparent loan structuring
Ongoing servicing from the funding institution
We remain accountable from origination through maturity.
In addition to hotel financing, First National provides commercial real estate loans for:
What loan sizes are available for hotel financing?
Hotel commercial real estate loans typically start at $5 million, with significantly larger loan amounts available for stabilized assets.
Are bridge loans available for hotels?
Yes. Bridge financing may be structured for renovations, repositioning, brand conversions, or transitional ownership scenarios.
What performance metrics are required?
Lenders evaluate occupancy trends, ADR, RevPAR, DSCR, and management strength when structuring hotel loans.
Can hotels refinance existing debt?
Yes. Refinance solutions may be structured to improve rate, restructure leverage, or provide recapitalization.
If you are seeking hotel financing for acquisition, refinance, bridge funding, or renovation, contact our team directly.
Call 212-244-7400
Email info@firstna.com
