Industries we fund · Hotels & Motels
Working capital for hotel businesses
Hotels settle revenue every night the doors are open, but the calendar and the market decide how good those nights are. Payroll, franchise fees, and upkeep run year round; occupancy does not.
Clearwater places hotel files with funding partners that already know the industry: $10K to $2M, sized off your real bank deposits, with no hard credit pull to apply. Searching for hotel business loans? What we place is revenue-based funding - an advance repaid out of daily deposits - and this page explains exactly how it prices so you can compare honestly.
How funders read a hotel file
Hotel files carry three deposit layers and funders read all of them: daily card settlements from checkouts, lumpier scheduled payouts from booking platforms, and occasional large group or event billings. Daily batch consistency against the market's season is the core signal - a beach property's winter dip or a business hotel's soft weekends read as pattern, not problem, when the trailing months show the shape. Booking-platform-heavy books land lumpier because payouts batch many stays together; that is understood and priced. The classic capital story is the franchise-mandated property improvement plan: a renovation with a deadline, which funders in this space see constantly and place well. Watch items: a single conference or event inflating one month - underwriting sizes off the base, not the spike - and daily batches shrinking slowly across the four months, which reads as rate or occupancy slipping.
What hotel businesses use the capital for
- Franchise-mandated property improvement plans on a deadline
- Room and common-area refresh between seasons
- Payroll through the low season at a seasonal property
- Kitchen, bar, or breakfast buildout to add revenue per stay
- Booking-engine and direct-marketing spend
What the numbers look like
Most files support roughly half to 1.4 times monthly bank deposits - where a file lands depends on deposit consistency, time in business, and existing positions. As an illustration only: a hotel business depositing $50,000 a month might see an advance around $45,000, repaid as about $283 per business day until a fixed $59,400 is paid. The total is fixed on day one - it never compounds or grows - and most deals carry prepayment discounts, shown with your offer.
| Advance range | $10,000 - $2,000,000 |
| Monthly revenue floor | $10,000 in business deposits |
| Time in business | 6+ months |
| Credit | Cash flow weighs more - scores from 450 workable |
| To apply | No hard credit pull. 4 months of statements + month to date |
Hotels & Motels funding questions
My market is seasonal. Does the low season hurt my file?
Not when the trailing months show the pattern. Funders price the shape of your market's calendar, and applying just after your strong season usually supports a higher number.
A lot of my revenue lands as booking-platform payouts. Is that a problem?
No. Platform payouts batch many stays into lumps, and funders read them alongside your daily card settlements. What matters is the deposits landing in the business account you show us.
Does a flag requirement help or hurt?
A property improvement plan with a deadline is one of the most common hotel files there is, and it places well. Independents are read the same way - off the deposit layers, not the sign out front.
See your number, not a sales pitch
Two minutes, no hard credit pull, and the estimate is sized off your real deposits.
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