Hotel & Hospitality Loans in San Jose
Hospitality capital structured around RevPAR cycles, PIPs, and franchise requirements.
- 24-hour funding on working capital files.
- 75+ lenders — banks, SBA, fintech.
- No upfront broker fees — paid by the lender at funding.
How San Jose hotel operators get funded
Hotel financing in San Jose is its own ecosystem. SBA 7(a) is the dominant tool for acquisitions and refinances under $5M; SBA 504 and CMBS take over above that. We structure debt around PIP requirements, franchise relationships, RevPAR cycles, and seasonal California travel patterns, including ski season, summer national park tourism, and the steady year round business travel anchored by San Jose International.
San Jose International serves as Delta's Mountain West hub, generating consistent year round business and connecting traveler demand. Hotel occupancy along I-15 and near the San Jose airport remains among the strongest in the Mountain West.
Common capital uses
SBA 7(a) up to $5M, 504 above for larger hotels with real estate.
Property improvement plans required by franchisors, often $1M-$5M.
Out of CMBS or maturing bank debt into long term SBA.
Seasonal bridge for slow shoulder months.
Qualification requirements
- Sponsor industry experience strongly preferred
- Owner FICO 680+
- Franchise approval (for branded properties)
- Property cash flow supporting 1.25x DSCR
Real San Jose examples
A buyer acquires a 90-room limited service hotel near San Jose airport with $4.5M SBA 7(a) at 15% down.
A franchise owner finances a $2.2M PIP for a Marriott branded property via SBA 504.
A West Valley independent hotel refinances out of maturing CMBS into a 25-year SBA 504.
