Hotels and other lodging businesses carry heavy fixed costs whether rooms are full or empty. Brand standards may require a property improvement plan, online reviews depend on fresh rooms, and the busy season can make or break the year. Independent hotels, franchised properties, motels, inns, bed and breakfasts and boutique resorts use a merchant cash advance to renovate, staff up and stay competitive.
Need merchant cash advance funding of $25K to $5M for your hotel business?
How Hotels Use a Merchant Cash Advance
Completing renovations required under a brand property improvement plan
Refreshing guest rooms, lobbies and common areas
Replacing HVAC units, boilers, elevators or roofs
Upgrading property management, keyless entry and Wi-Fi systems
Hiring and training staff before peak travel season
Adding amenities such as a pool upgrade, fitness room or event space
Cash Flow in the Hotel Business
Lodging revenue follows travel seasons, local events and booking channels. A beach property may earn most of its revenue in summer, while a downtown hotel depends on conferences and business travel. Card sales from guests and payouts from online travel agencies are easy for funders to verify. A merchant cash advance provides capital ahead of the busy months so improvements are complete before guests arrive.
How a Merchant Cash Advance Works
A merchant cash advance is a purchase of a portion of your future receivables. A funder provides a lump sum, typically between $25,000 and $5,000,000, and collects an agreed share of your revenue over time, either as a percentage of card sales or as a fixed daily or weekly remittance. Because the funder is buying future revenue, reviews focus on how your business performs, not only on your credit history. Every offer, including the total amount to be remitted, comes from the funder and is spelled out in the agreement before you sign.
A Typical Scenario
Imagine a 90-room franchised property facing a brand deadline to update carpets, case goods and bathroom fixtures. Missing the deadline could put the flag at risk, but the renovation budget would strain reserves heading into summer. Working capital lets the owner finish the rooms before peak travel season so higher rates and better reviews follow.
What Funders Look At
Funders usually review bank statements, time in business, occupancy trends and whether the property is branded or independent. Franchise agreements and property ownership may come up. Steady card volume through the year helps your file. Owners who share recent occupancy reports, average daily rate trends and a short description of planned improvements give funders a clearer picture and often hear back sooner.
Our Process in 3 Steps
Apply online. Complete our short Funding Application and attach recent business bank statements.
Compare offers. We present your hotel business to funders in our network and walk you through the offers that come back.
Get funded. Once you accept an offer and the funder approves, funding can arrive in as little as 24–48 hours, depending on the funder.
Why Forward Funders
Forward Funders LLC is a broker, not a direct funder. We shop your file to multiple funders so you can compare options side by side instead of applying one at a time. Our team is based in Staten Island, New York, and works with hotel owners across the country. Call (718) 619-9867 or visit our Apply page to get started.
Frequently Asked Questions
Can I use the funds for a PIP?
Yes. Property improvement plans are a common reason hotels seek working capital.
Do independent hotels qualify?
Yes. Independent properties are reviewed based on revenue and deposits.
What about seasonal properties?
Funders review your full-year pattern. Seasonal hotels often apply ahead of peak months.
Do bed and breakfasts qualify?
Many funders work with smaller lodging businesses that show steady deposits.
Do OTA payouts count as revenue?
Yes. Payouts from booking platforms count toward your deposit history.
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Forward Funders LLC is a broker, not a funder. Merchant cash advances are purchases of future receivables; approval is not guaranteed and terms come from the funder.
Forward Funders LLC · 6231 Amboy Rd., Staten Island, NY · (718) 619-9867