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 across Louisiana and Texas.
We know how bed & breakfasts really run.
Financing built around your industry's real cash-flow rhythm — not a one-size-fits-all bank box.
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 bed & breakfasts owners 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
What it takes to qualify
Most operators here use 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+ (some programs start lower)
- Equity or down payment — up to ~80% 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 bed & breakfasts business?
Two minutes, no obligation, no credit impact. Or call (337) 344-9939.
