Funding for your bed and breakfast.
Guests expect charm year-round, even when bookings and cash flow swing hard with the seasons. Serving bed and breakfasts nationwide.
We know how B&Bs really run.
Financing built around your industry's real cash-flow rhythm — not a one-size-fits-all bank box.
How each option works
The programs our lending partners actually offer businesses like yours. Not sure which one? Check your options and we'll match the structure to the deal.
Working Capital Loan
Money for payroll, stock, and the slow months.
See terms & details →Business Line of Credit
Draw what you need, when you need it.
See terms & details →SBA 7(a) Loan
The most flexible SBA loan there is.
See terms & details →Commercial Real Estate Loan
Financing for income-producing and owner-occupied property.
See terms & details →Want the full picture first? Get a free Capital Position Report — where your business stands and what it likely qualifies for.
The pressure points we solve
The cash-flow squeezes we hear about most — and the fair fix for each.
The squeezeSlow seasons squeeze your cash.
The fair fixInterest-only options ease you through the quiet months without stress.
The squeezeGuest room updates can't wait.
The fair fixGet a decision in 24 to 48 hours and freshen rooms fast.
The squeezeMCAs debit you every single day.
The fair fixYou get fixed, predictable payments, not a daily-debit cash advance.
What innkeepers use it for
Put the capital where it moves the needle most.
Guest room renovations
FF&E and decor
Kitchen upgrades
Seasonal staffing
HVAC repairs
Booking website tech
Related industries
Businesses with a similar cash-flow rhythm, and the financing we see them use.
Tools and guides for bed & breakfasts
Run the numbers
Compare side by side
Guides & related financing
From our insights
What it takes to qualify
Most operators here start with business capital — but if you're financing property or equipment, that path qualifies differently.
Business Capital
- Operating at least a few months under current ownership
- Roughly $17,000+ per month in business revenue
- Personal credit around 575+ on most programs
- Not over-extended on existing cash advances
- Bank statements usually enough to start — no tax returns to check options
Real Estate & Assets
- Credit generally 620+ (equipment) to 640+ (rental property)
- Equity or down payment — typically up to ~75% loan-to-value
- The property's income covers the payment (DSCR programs)
- No tax returns required on most DSCR programs
- Entity docs, insurance, and a purchase contract or payoff statement
Guidelines are typical ranges across our lender network, not a commitment to lend — every deal is reviewed individually.
Ready to fund your B&B?
Two minutes, no obligation, no credit impact. Or call (337) 270-2036.
