SBA loans by business type
SBA Loans for Hotels and Motels
SBA lenders funded 22,459 7(a) and 504 loans for hotels and motels since FY2010 (2.2% of all SBA lending in the data), totaling $42.8B, an average of $1.9M per loan. The most active lender is GBank.
By Mario Bailey · Source: SBA FOIA data, FY2010–2026 (as of 2026-03-31)
These figures are computed from the SBA's public 7(a) and 504 funded-loan records for Accommodation (NAICS 721). They cover funded loans, not applications, so a lender's activity here is a track-record signal — not a guarantee you will be approved. Of these, 27% are 504 loans (owner-occupied real estate and long-term equipment), which is why average loan sizes here run large. Among the 7(a) loans, the charge-off rate is 1.2% — a relative track-record signal, not a lifetime default rate (504 charge-offs are not reported in the SBA data); see our methodology. Estimate a payment with the SBA loan calculator, or check the basics with the eligibility checker.
Top SBA lenders in Accommodation and Food Services, the sector that includes hotels and motels
Ranked by SBA loans funded across Accommodation and Food Services (NAICS 72), the full sector that contains Accommodation (NAICS 721). The sector is broader than hotels and motels alone, and sector level is the granularity our per-lender track-record data supports, so every figure below, including the 7(a) charge-off rate, is sector-wide, not specific to hotels and motels. Charge-off is reported on 7(a) loans, never on 504 loans, so a lender without a reliable 7(a) sample in the sector shows “not reported,” never 0%. A lender active in your situation is a good place to start; talk to a few before you apply.
| # | Lender | Loans | Total funded | Average loan | 7(a) charge-off |
|---|---|---|---|---|---|
| 1 | The Huntington National Bank | 10,350 | $3.1B | $295K | 3.65% |
| 2 | JPMorgan Chase Bank, National Association | 3,754 | $792.0M | $211K | 5.91% |
| 3 | U.S. Bank, National Association | 3,545 | $661.2M | $187K | 4.71% |
| 4 | Manufacturers and Traders Trust Company | 2,928 | $413.6M | $141K | 6.15% |
| 5 | Wells Fargo Bank National Association | 2,754 | $773.6M | $281K | 7.95% |
| 6 | Bank of Hope | 2,531 | $2.1B | $840K | 3.99% |
| 7 | TD Bank, National Association | 2,412 | $467.6M | $194K | 7.30% |
| 8 | PNC Bank, National Association | 1,777 | $492.1M | $277K | 5.35% |
| 9 | KeyBank National Association | 1,766 | $516.4M | $292K | 2.94% |
| 10 | Celtic Bank Corporation | 1,497 | $1.5B | $1.0M | 4.81% |
SBA 7(a) and 504 loans, FY2010–2026, as of 2026-03-31, from the SBA's public record.
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Top states for hotels and motels SBA loans
| State | Loans | Total volume |
|---|---|---|
| Texas | 2,373 | $5.5B |
| California | 2,451 | $5.3B |
| Georgia | 1,309 | $2.8B |
| Florida | 1,058 | $2.4B |
| North Carolina | 848 | $1.8B |
| Washington | 773 | $1.7B |
| Ohio | 739 | $1.5B |
| New York | 770 | $1.5B |
| Illinois | 627 | $1.3B |
| Colorado | 676 | $1.2B |
SBA lending for hotels and motels by year
Funded SBA volume by approval fiscal year (FY2010–2026).
SBA loans for hotels and motels: frequently asked questions
Can you get an SBA loan for hotels and motels?
Yes. Lenders funded 22,459 SBA 7(a) and 504 loans for hotels and motels in the public data (as of 2026-03-31), 2.2% of all SBA lending, totaling $42.8B.
How much is a typical SBA loan for hotels and motels?
The average SBA loan for hotels and motels is $1.9M, across 22,459 funded loans. Your amount depends on use of funds, cash flow, and the lender.
Which SBA lenders fund hotels and motels?
GBank, Bank of Hope, Celtic Bank Corporation are among the most active SBA lenders for hotels and motels by funded volume. A lender that regularly funds your situation is more likely to understand the deal.