A small desert town with visitors who come for the art, the sky and the quiet. Marfa lodging owners can apply for $25,000 to $5,000,000, funded in as little as 24 hours.
Apply Now →Marfa sits in the high desert of the Trans-Pecos in far West Texas, between the Davis Mountains and Big Bend National Park, at an elevation of 4,685 feet. It began in the early 1880s as a railroad water stop and is the county seat of Presidio County. Its population peaked in the 1930s, and the 2020 census counted 1,788 residents. Today the town is a tourist destination and a major center for minimalist art. Attractions include the Chinati Foundation, the Judd Foundation, Ballroom Marfa, Building 98 and the Marfa lights.
For a lodging owner, that profile is both an opportunity and a constraint. Guests come on purpose, often from far away, and a town of fewer than two thousand people cannot fill rooms with locals during a quiet week.
| Cost | Behavior through the year |
|---|---|
| Staff and housekeeping | Needed in full for busy stretches, hard to scale down fast |
| Utilities and upkeep | Run all year, even for empty rooms |
| Insurance and property costs | Fixed, regardless of occupancy |
| Maintenance and repairs | Often deferred until a break in bookings, then due all at once |
| Supplies, linens and amenities | Bought ahead of guests, paid before the stay |
With a small market, one weak season, a road closure or a change in travel habits affects the whole year's income, and there is little room to absorb it.
Rooms are easiest to update when they are empty. Paint, flooring, beds, bathrooms and heating or cooling equipment are all common projects. Paying for them from the account that also runs the property can strain a lean month.
If a stretch of low occupancy covers fixed costs only partly, working capital can fill the difference so that staff and suppliers are paid on time.
Expansion means construction, furnishing and hiring before income. In a small town, the plan must account for how many extra rooms the visitor market can fill.
That sequence turns the question from how much can I get to how much does the property actually need.
The application takes about five minutes and uses a soft credit pull. Sole proprietors, including owners of a small motel or a bed-and-breakfast, can apply. Funding runs from $25,000 to $5,000,000 and can arrive in as little as 24 hours after approval. Browse the Marfa page and the West Texas region page, or start the application.
Yes. Renovation and refurbishment are common uses for lodging owners.
Seasonality is normal for lodging. Choose an amount tied to a specific need and a realistic repayment plan.
Yes. Sole proprietors can apply.
The application is the same short form wherever you are in Texas.
No. The application uses a soft credit pull.
Three months of business bank statements and a 5-minute application. FICO 500+ considered. $25,000 to $5,000,000, funded in as little as 24 hours.
Apply Now →It takes about two minutes and it will not affect your credit score.
No obligation • No impact to your credit score
