Motel & Accommodation Business Finance
For motel owners, accommodation operators and buyers requiring freehold going concern finance, commercial property lending, refinancing or equity release.
What motel and accommodation finance covers
Motel and accommodation finance covers lending for the purchase, refinance or equity release of accommodation businesses. This may include freehold going concern transactions (property plus operating business), straight commercial property transactions, and refinancing existing facilities. Motel and accommodation lending is a specialist area. Lender appetite, LVR caps, assessment criteria and the weight given to trading performance vary across the market.
How lenders assess motel and accommodation finance
- Location and tourism/commercial demand drivers
- Star rating, room count and facilities
- Occupancy rates and seasonal income patterns
- Revenue per available room and operating margin
- Management structure — owner-operated vs managed
- Borrower experience in the accommodation sector
- Environmental considerations and building condition
- Freehold vs leasehold structure
How Bridle Partners helps
Identifying lenders with appetite for accommodation business transactions
Reviewing the property and business trading position
Structuring and presenting the application
Managing the process through to settlement
Working alongside your accountant, solicitor and valuer
Frequently asked questions
- What is motel freehold going concern finance?
- A freehold going concern motel transaction involves purchasing both the property (land and building) and the operating business. Lenders assess the property value, trading income, occupancy rates, operator experience and overall business performance.
- What factors do lenders assess for motel finance?
- Key factors include location, star rating, room count, occupancy rates, revenue per available room, operating costs, management structure, lease or management agreement terms, borrower experience and environmental considerations.
- Can I refinance a motel from a specialist lender to a major bank?
- Depending on the business performance, property valuation and borrower profile, a refinance to mainstream lending may be possible. We assess the situation and identify suitable lender options.
Discuss your motel
or accommodation transaction
Speak with Bridle Partners before approaching a lender.