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Support renovations, staffing, and seasonal cash flow with fast funding options.
Hotels, motels, and inns can get $5,000 to $10 million from Full Send Funding, approved on 4+ months in business and $10,000 or more in monthly revenue — a decision within 24 business hours, funding within 24 hours of approval on deals up to $2 million, and no collateral required. Hospitality revenue breathes with the calendar — high season carries the year, and the off-season still sends invoices. Renovations are the other constant: rooms age, brands mandate property-improvement plans, and reviews punish deferred maintenance immediately.
We fund independent hotels, motels, inns, and B&Bs at $5,000–$10 million. Underwriting reads four months of deposits, and seasonality that is explained is read as seasonality rather than as decline. Decisions within 24 business hours; on deals up to $2 million, funding within 24 hours of approval.
What decides a seasonal lodging file is which four months the statements happen to cover, because a seasonal year does not fit inside a four-month window. Every slice either contains your trough — and when that trough sits far below the window average, the remittance is sized against it rather than against the average — or it runs from a peak month down to a shoulder month, which is arithmetically indistinguishable from a business losing its customers. Neither reading is wrong and neither is avoided by picking a date. What changes it is a document the application does not ask for: last year's statements for the same four calendar months, sent alongside this year's. Set side by side, a quiet February stops being an unexplained collapse and becomes a season closing on schedule.
Properties typically see 80%–150% of monthly revenue, within $5,000 to $10 million. A property running $80,000 a month generally lands in the $64,000–$120,000 band. Where your term falls across the season matters more here than in most industries — a schedule that peaks in your off months is worth restructuring before signing.
Not as a warning sign. Hospitality files are read with the season in mind, and the $10,000 monthly minimum is read as an average across four months of statements, so the off-season does not stop you qualifying. What a deep dip can change is size: when the weakest month in the four-month window falls far below the window's average, the remittance is sized to that month rather than to the average. Last year's statements for the same four months are what let the average stand, and they change the reading more than the date you apply on.
Yes — PIP line items like FF&E, signage, and soft goods are a common use. For large single items with vendor quotes, equipment financing is worth weighing too. We arrange equipment financing through a direct lending partner; what we fund in house is working capital, which can pay for equipment too.
Decision inside 24 business hours and, on deals up to $2 million, funds within 24 hours of approval — fast enough to book contractors for the shoulder season instead of losing the window.
Yes, and timing is the thing to get right. A term whose heaviest payments land in your off-season is worth restructuring before you sign, not after.
Yes. Include every deposit account — booking-platform payouts, direct reservations, and group business all settle differently but all count.
No. The document ask is four months of business bank statements, and the decision comes within 24 business hours off those. A performance report from your property management system is worth volunteering anyway, in the same spirit a contractor volunteers a work-in-progress schedule: it answers the questions the statements raise. A quiet month reads as a quiet month on a bank statement; the same month with an occupancy report beside it reads as a shoulder season or a wing closed for renovation. Bring one if you already produce it, and do not build one if you do not — it is context, not the underwriting basis.
As a weak month, until you say what it was. Sizing reads the weakest month in the four-month statement window against the window's average. When the months sit close to the average the average is used, and when one sits far below it the offer is sized to that month instead, so one unexplained hole can pull an offer down on its own. If it is your most recent month, more is at stake: with no explanation, a latest month well below the window average is usually read as falling revenue and declined, while one soft month with a reason is a sizing input. Write the explanation into the application: what happened, when, and when trade came back. If there is time, one more month of deposits at your normal level pulls the weak month's weight down and the offer up.