Rooms need renovation exactly when guests are not there to pay for it. Apply in five minutes; funding can arrive in as little as 24 hours.
Apply Now →San Antonio, with 1.43 million residents at the 2020 census, is the seventh most populous city in the United States and the county seat of Bexar County. The city's economy leans on visitors, and independent hotels, motels and bed-and-breakfasts are part of that. Their revenue follows occupancy, which follows the visitor calendar.
What does not follow the calendar are the costs: property taxes or mortgage payments, utilities, laundry, front-desk and housekeeping staff, insurance and the continuous replacement of things guests wear out.
Owners usually want to renovate in the slow weeks, but that is when they have the least cash. The result is two familiar bad choices: postponing the work until the property looks tired, or doing it in the busy season and taking rooms out of inventory when each one earns the most.
| Choice | Cost |
|---|---|
| Postpone renovation | Weaker reviews, lower rates over time |
| Renovate in peak season | Lost room nights when demand is high |
| Fund it in the off-season | A payment, but rooms are ready for the wave |
Beds, flooring, bathrooms, paint and fixtures. A rolling program is easier on cash than a full gut.
HVAC, roofing, plumbing and elevators. These are not optional, and when they fail they fail suddenly.
Lobby, pool, breakfast area and signage that affect how a property photographs and reviews online.
For an independent property, online reviews are the sales force. A stained carpet, a loud air conditioner or a dated bathroom shows up in guest comments within days, and it affects bookings for months. Chains can spread that cost across hundreds of locations; a single motel owner carries it alone. That is why an owner with a plan for rolling refreshes, a few rooms at a time, often does better than one who waits and tries to do everything in a single push.
The same goes for staffing. A good housekeeping lead and a reliable front desk cost money in slow weeks and pay it back in busy ones, but only if they are still on the payroll when the wave arrives.
For illustration only: a 30-room property that earns $50,000 in a strong month and $28,000 in a weak one, with $38,000 of costs that do not vary. Strong months build cushion; weak ones draw it down by about $10,000. A bad run of weak months, plus a surprise like a failed water heater, can move the owner from comfortable to scrambling. These are made-up numbers, not our terms or a typical result.
Funding runs from $25,000 to $5,000,000. The application takes about five minutes with a soft credit pull, and sole proprietors, including owner-operators of small inns, can apply. Funding can arrive in as little as 24 hours. Related: medical practices, term loans. Apply here.
Yes. Sole proprietors and small owner-operators can apply.
Yes, renovations and systems upgrades are common uses.
Usually the slow season, which is also when working capital is most useful.
Yes, seasonal payroll is a common use.
About five minutes, and funding can arrive in as little as 24 hours.
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
