Hotel loans in Daly City finance property acquisition, renovations, equipment upgrades, and working capital for hospitality operators through SBA 7(a), commercial real estate loans, bridge financing, and working capital products tailored to the lodging industry's unique cash-flow cycles and franchise requirements.
Hospitality properties in Daly City face underwriting scrutiny tied to occupancy trends, franchise agreements, and proximity to San Francisco International Airport demand patterns. Lenders want three years of STR reports, property condition assessments, and franchise disclosure documents if you operate under a flag. We organize every page so your file moves from submission to term sheet without the back-and-forth that stalls closings. The Serramonte area's mix of business and leisure travelers creates strong fundamentals, but your paperwork must prove revenue stability through seasonal dips and prove compliance with brand standards.
Loan programs
SBA 7(a) loans fund up to 90 percent loan-to-value for hotel purchases and major renovations when the operator occupies the property and meets franchise or flag requirements. Terms stretch to 25 years on real estate, lowering debt service and smoothing cash flow during soft quarters. Our SBA 7(a) loan process organizes your business plan, three-year projections, and franchise documents into the format SBA-preferred lenders expect.
Commercial real estate loans close faster when you need a loan for hotel purchase or refinance without SBA's franchise restrictions. Bridge loans cover gap periods between acquisition and permanent financing or fund quick renovations before a brand conversion. Working capital lines and invoice factoring smooth revenue between high-occupancy summer months and slower winter weeks along the coast.
How it works
We start every hotel loan engagement by reviewing your trailing twelve-month STR, franchise agreement (if flagged), and property condition report so we know which lender appetite matches your scenario. A 42-room independent motel on Mission Street will route differently than a 78-room Hampton near Westlake Shopping Center. We handle document collection, coordinate third-party reports, and translate franchise royalty structures into underwriter-friendly projections. Call (650) 659-4959 or visit our office at 323 89th St, Daly City, CA 94015 to walk through your hotel financing options with a broker who has closed lodging deals across the Peninsula.
An owner-operator bought a 36-room independent property two blocks from the Daly City BART station, planning a soft-brand conversion. We brokered an SBA 7(a) loan covering 85 percent of the purchase price plus renovation reserves for new HVAC, upgraded Wi-Fi infrastructure, and ADA-compliant bathrooms. Documentation included franchise disclosure, architect plans, and a market study showing corporate demand from nearby biotech and tech employers in South San Francisco. The loan closed in 67 days, and the property flagged four months later.
Serving the Daly City area
We know which lenders fund which kinds of Daly City businesses, and we position your file where it fits.
One local broker, many lenders, and no cost to apply.
Common questions
Talk to a local advisor and get matched to the right program, no obligation.
Why Daly City owners trust Hazelcrest Financial
