How much do SBA lenders typically lend to a hotels (except casino hotels) and motels business?

The median SBA approval in NAICS 721110 is $1,804,000, with the middle 80% of loans between $375,000 and $4,550,000. Across all industries the median is $180,000.

Which lenders are most active in hotels (except casino hotels) and motels?

By dollars approved: GBank, Bank of Hope, Celtic Bank Corporation, Open Bank, US Metro Bank. A lender's experience in your NAICS code matters - underwriters who have seen a hundred deals like yours ask better questions and move faster.

Is hotels (except casino hotels) and motels considered a risky industry by SBA lenders?

Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 3.3% were charged off, versus 7.6% across all SBA lending. That is below average, which generally makes lenders more comfortable with the sector.

NAICS 721110 · Restaurants & Hotels

SBA loans for hotels (except casino hotels) and motels

19,493 SBA loans worth $40.88B have been approved in this industry since FY2010 - the #3 most-financed NAICS code in the country.

Median loan

$1,804,000

+902% vs all industries

Typical range

$375K-$4.5M

Middle 80%

Median rate

6.00%

7(a) initial note rate

Median term

25 yr

Charge-off rate

3.3%

vs 7.6% all industries

Source: U.S. Small Business Administration, SBA 7(a) and 504 FOIA data, as of 2026-06-30. Approvals from FY2010 onward. How we calculate this.

Lenders

Most active in this industry

Lender	Loans	Approved
GBank	830	$2.43B
Bank of Hope	664	$1.46B
Celtic Bank Corporation	426	$915.3M
Open Bank	369	$893.7M
US Metro Bank	295	$841.0M
First Western SBLC, LLC	466	$827.3M
Shoreham Bank	268	$780.8M
Commonwealth Business Bank	299	$729.9M
Mortgage Capital Development Corporation	268	$692.9M
Readycap Lending, LLC	315	$670.9M

Geography

Where these loans were made

State	Loans	Share
California	2,194
Texas	2,164
Georgia	1,240
Florida	919
North Carolina	752
Ohio	711
Washington	707
New York	617

Approvals by fiscal year

’10

’11

’12

’13

’14

’15

’16

’17

’18

’19

’20

’21

’22

’23

’24

’25

’26

Loan count. Final bar is a partial fiscal year.

Loan sizes

Under $50K
1%
$50K - $150K
3%
$150K - $350K
5%
$350K - $1M
19%
$1M - $2M
27%
Over $2M
45%

Nearby

Other restaurants & hotels industries

See the sector

Full-Service Restaurants43,646 · $250,000 Limited-Service Restaurants29,225 · $288,000 Snack and Nonalcoholic Beverage Bars9,692 · $210,600 Full-Service Restaurants9,574 · $185,000 Drinking Places6,905 · $200,000 Limited-Service Restaurants6,127 · $201,000 Caterers3,448 · $125,000 Mobile Food Services2,789 · $45,000

Common questions

How much do SBA lenders typically lend to a hotels (except casino hotels) and motels business?: The median SBA approval in NAICS 721110 is $1,804,000, with the middle 80% of loans between $375,000 and $4,550,000. Across all industries the median is $180,000.
Which lenders are most active in hotels (except casino hotels) and motels?: By dollars approved: GBank, Bank of Hope, Celtic Bank Corporation, Open Bank, US Metro Bank. A lender's experience in your NAICS code matters - underwriters who have seen a hundred deals like yours ask better questions and move faster.
Is hotels (except casino hotels) and motels considered a risky industry by SBA lenders?: Of FY2010-FY2019 approvals in this industry that have reached a terminal status, 3.3% were charged off, versus 7.6% across all SBA lending. That is below average, which generally makes lenders more comfortable with the sector.

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