Franchise financing
Holiday Inn Express/Holiday Inn Express & Suites franchise financing
What it costs to finance a Holiday Inn Express/Holiday Inn Express & Suites franchise and how buyers fund it. The real numbers: how much gets borrowed, which lenders fund it, and the track record.
By Mario Bailey · Source: SBA FOIA data, as of 2026-03-31
- SBA loans
- 295
- Total funded
- $1.0B
- Median loan
- $3.6M
- 7(a) charge-off
- 0.0%
What financing a Holiday Inn Express/Holiday Inn Express & Suites franchise costs
The median SBA loan to a Holiday Inn Express/Holiday Inn Express & Suites franchisee is $3.6M, and the middle half of Holiday Inn Express/Holiday Inn Express & Suites's 295 loans run $2.7M to $4.9M (average $3.5M). Across all SBA-financed franchises the median loan is $350K. Holiday Inn Express/Holiday Inn Express & Suites buyers borrow more than the typical franchisee.
These are loan amounts, not the brand's total startup cost. Buyers also put in equity (the SBA generally wants at least 10% down on a new franchise), and the brand's own investment estimate is Item 7 of its franchise disclosure document (FDD). The median Holiday Inn Express/Holiday Inn Express & Suites loan runs 25 years. Model your numbers with the franchise financing calculator.
Of the 274 Holiday Inn Express/Holiday Inn Express & Suites loans where the SBA recorded a business age, 40.5% went to new businesses two years old or younger. The rest funded existing operations.
How to finance Holiday Inn Express/Holiday Inn Express & Suites
Holiday Inn Express/Holiday Inn Express & Suites franchisees have financed with 295 SBA loans since FY2010, averaging $3.5M each. Of those, 133 ran through the 7(a) program (franchise fee, build-out, equipment, and working capital) and 162 through 504 (owner-occupied real estate). Lenders weigh your credit, management experience, and the brand's track record alongside the equity you bring.
Holiday Inn Express/Holiday Inn Express & Suites's 7(a) charge-off rate is 0.0% across 133 loans, a relative track-record signal lenders and buyers weigh, not a guarantee. See how that compares across franchises.
Lenders that finance Holiday Inn Express/Holiday Inn Express & Suites
By SBA loan count
- 1. GBank 16
- 2. Mortgage Capital Development Corporation 10
- 3. Florida Business Development Corporation 10
- 4. Shoreham Bank 9
- 5. Celtic Bank Corporation 7
- 6. US Metro Bank 7
- 7. Florida First Capital Finance Corporation, Inc. 9
- 8. Bank of Hope 6
Get matched to a Holiday Inn Express/Holiday Inn Express & Suites lender →
Where Holiday Inn Express/Holiday Inn Express & Suites gets funded
Top states by loan count
- 1. Texas 62
- 2. California 19
- 3. Ohio 22
- 4. Florida 17
- 5. Georgia 15
- 6. Pennsylvania 15
- 7. Illinois 9
- 8. North Carolina 10
Financing a Holiday Inn Express/Holiday Inn Express & Suites?
Get matched with the SBA lenders that actually fund businesses like yours, ranked on real loan data by state, industry, and size. Independent: your details go only to the lenders we match you to, never to data brokers.
Holiday Inn Express/Holiday Inn Express & Suites SBA financing FAQ
How much does a Holiday Inn Express/Holiday Inn Express & Suites franchise cost?
The public SBA data shows what buyers actually borrow, not a sticker price: the median SBA loan to a Holiday Inn Express/Holiday Inn Express & Suites franchisee is $3.6M, and the middle half of Holiday Inn Express/Holiday Inn Express & Suites's 295 loans run $2.7M to $4.9M. Total investment (including the equity you put in, generally 10% or more) is estimated in Item 7 of Holiday Inn Express/Holiday Inn Express & Suites's franchise disclosure document.
Can you use an SBA loan for Holiday Inn Express/Holiday Inn Express & Suites?
Yes. Lenders have funded 295 SBA loans to Holiday Inn Express/Holiday Inn Express & Suites franchisees, worth $1.0B in all, so Holiday Inn Express/Holiday Inn Express & Suites is regularly financed with SBA 7(a) and 504 loans.
Can a first-time owner get an SBA loan for Holiday Inn Express/Holiday Inn Express & Suites?
The data says yes: of Holiday Inn Express/Holiday Inn Express & Suites's 274 SBA loans that record a business age, 40.5% went to new businesses two years old or younger. Expect the lender to look harder at your experience, business plan, and equity injection.
Which lenders finance Holiday Inn Express/Holiday Inn Express & Suites?
By loan count, the most active SBA lenders for Holiday Inn Express/Holiday Inn Express & Suites are GBank, Mortgage Capital Development Corporation, Florida Business Development Corporation, among others. A lender already active with your brand often moves faster.
What is Holiday Inn Express/Holiday Inn Express & Suites's SBA charge-off rate?
Across Holiday Inn Express/Holiday Inn Express & Suites's 133 SBA 7(a) loans, 0.0% have charged off. Read it as a relative track-record signal, not a prediction. It is not a lifetime default rate.
Which SBA program fits Holiday Inn Express/Holiday Inn Express & Suites?
Both. Of Holiday Inn Express/Holiday Inn Express & Suites's 295 SBA loans, 133 were 7(a) (franchise fee, build-out, equipment, working capital) and 162 were 504 (owner-occupied real estate). The median Holiday Inn Express/Holiday Inn Express & Suites loan term is 25 years.