Franchise financing
HOLIDAY INN EXPRESS franchise financing
What it costs to finance a HOLIDAY INN EXPRESS 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
- 154
- Total funded
- $377.4M
- Median loan
- $2.1M
- 7(a) charge-off
- 0.0%
What financing a HOLIDAY INN EXPRESS franchise costs
The median SBA loan to a HOLIDAY INN EXPRESS franchisee is $2.1M, and the middle half of HOLIDAY INN EXPRESS's 154 loans run $1.6M to $3.2M (average $2.5M). Across all SBA-financed franchises the median loan is $350K. HOLIDAY INN EXPRESS 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 loan runs 20 years. Model your numbers with the franchise financing calculator.
Of the 110 HOLIDAY INN EXPRESS loans where the SBA recorded a business age, 11.8% went to new businesses two years old or younger. The rest funded existing operations.
How to finance HOLIDAY INN EXPRESS
HOLIDAY INN EXPRESS franchisees have financed with 154 SBA loans since FY2010, averaging $2.5M each. Of those, 60 ran through the 7(a) program (franchise fee, build-out, equipment, and working capital) and 94 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's 7(a) charge-off rate is 0.0% across 60 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
By SBA loan count
Where HOLIDAY INN EXPRESS gets funded
Top states by loan count
- 1. Texas 21
- 2. California 20
- 3. Georgia 11
- 4. Ohio 10
- 5. Pennsylvania 7
- 6. Michigan 8
- 7. Florida 5
- 8. Tennessee 7
Financing a HOLIDAY INN EXPRESS?
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 SBA financing FAQ
How much does a HOLIDAY INN EXPRESS franchise cost?
The public SBA data shows what buyers actually borrow, not a sticker price: the median SBA loan to a HOLIDAY INN EXPRESS franchisee is $2.1M, and the middle half of HOLIDAY INN EXPRESS's 154 loans run $1.6M to $3.2M. Total investment (including the equity you put in, generally 10% or more) is estimated in Item 7 of HOLIDAY INN EXPRESS's franchise disclosure document.
Can you use an SBA loan for HOLIDAY INN EXPRESS?
Yes. Lenders have funded 154 SBA loans to HOLIDAY INN EXPRESS franchisees, worth $377.4M in all, so HOLIDAY INN EXPRESS is regularly financed with SBA 7(a) and 504 loans.
Can a first-time owner get an SBA loan for HOLIDAY INN EXPRESS?
The data says yes: of HOLIDAY INN EXPRESS's 110 SBA loans that record a business age, 11.8% 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?
By loan count, the most active SBA lenders for HOLIDAY INN EXPRESS are Brightbridge, Inc., Alloy Development Co., Inc., Alerus Financial, National Association, among others. A lender already active with your brand often moves faster.
What is HOLIDAY INN EXPRESS's SBA charge-off rate?
Across HOLIDAY INN EXPRESS's 60 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?
Both. Of HOLIDAY INN EXPRESS's 154 SBA loans, 60 were 7(a) (franchise fee, build-out, equipment, working capital) and 94 were 504 (owner-occupied real estate). The median HOLIDAY INN EXPRESS loan term is 20 years.