resort capital, hotel loan, hotel finance, hotel capital, hotel financing

Services We Offer

Spirides Hospitality Finance Company arranges mortgages and loans for owners and prospective owners of all types of hotels across the United States--large and small.  The size of the financings we structure and source ranges from $2,000,000 to $200,000,000.  Our nationwide network of lenders have the expertise and the capacity to quickly fund any type of hotel capital project. The most popular financing programs that our lenders employ are conventional senior mortgage loans, subordinate loans, government guaranteed loans, short term bridge loans, fixed rate conduit loans, and preferred equity investments.  

We Arrange Financing For:

  • New Development & Construction--Want to build a new franchise prototype hotel from the ground-up?  We can arrange financing for that.
  • Acquisitions--Want to expand your company's footprint by buying a hotel in another state?  We can assist you with this type of financing. 
  • Renovations--Does your property need a PIP renovation and modernization to meet new brand standards or to convert to another franchised brand?  We can help you finance this.
  • Equipment/CapEx financing--Need to purchase a new chiller tower, two boilers, a 100 ton HVAC unit, and a walk-in cooler?  We can help you finance these.
  • Refinancing a single hotel or a portfolio of hotels--If your mortgage is maturing then it is time to refinance.  Additionally, many owners refinance their hotel(s) after several years of paying down debt to harvest their equity (get their "cash out") so they can purchase or develop more hotels.  We can arrange this for you.
  • Debt Consolidation--We can help you pay off all your existing debt and have one monthly loan payment with a better interest rate going forward.
  • Bridge financing--We arrange short term financing (2-3 years) for hotels to reposition themselves by undergoing renovations/PIPs and/or brand conversions prior to obtaining long term permanent financing.  This type of financing can also be used for acquisitions, construction, and construction loan takeouts.
  • Permanent Financing--For existing hotels with in-place cash flow.  Usually used for acquisitions and refinancing.  Let us lock in a good mortgage interest rate for you for the next 10 years.
  • Mezzanine Financing--A type of subordinate debt financing that is available to fill in a gap between senior debt and equity without giving up any ownership.   
  • Financial Restructuring--We know how to obtain debtor in possession (DIP) financing for hotels going through a Chapter 11 reorganization.
To read about recent transactions that we have successfully arranged please visit our social media channels.

How we work 

We at Spirides Hospitality Finance Company have close relationships with dozens of hospitality industry lenders who offer an assortment of financing programs at very competitive rates.  The terms that are quoted by our lenders are determined by many factors.  We are able to obtain for our clients the best financing terms available today subject to these factors which include the borrower, the location, the franchise flag, and property characteristics and financial projections to list just a few.

We know that every deal is unique.  With every transaction opportunity that comes across our desk we at Spirides Hospitality Finance Company take the time and make the effort to understand each client’s unique needs and objectives and to research, analyze, and understand each subject hotel to ensure that a capital structure is created that is adequately serviceable and is in accordance with the client's strategic goals and objectives.

We review each of our client's requirements for funding, and then we identify which capital sources are most likely to fund their proposed project and hold discussions with each of them to obtain the lowest rates and fees and most favorable terms and conditions possible for our clients.  We stay involved in every step of the process up until the transaction is consummated and funds are disbursed.  We do everything in our power to facilitate and expedite the closing process with each client’s new source or sources of capital.  

We charge no upfront fees, and no finance broker success fee is due and payable to our company unless the financing that we arrange is accepted by our client and the transaction is successfully closed.  Many times the lenders will pay our fee so our clients do not have to. 

What are some notable benefits of the loans that we arrange? 

  • Fixed or variable interest rate
  • Long term loan (7 to 30 years)
  • Short term long (up to 2-3 years)
  • Fully amortizing loan over the entire term of the loan in many cases
  • Up to 90% LTV financing (10% owner’s equity contribution)
  • Most closing costs and loan fees and expenses can be financed into the loan
  • If you ever decide to sell your hotel, many times your mortgage can be assumed by the buyer
  • Ability to refinance your existing debt and even fund an expansion (through an acquisition or construction project) in one transaction      

We Broker the Sale of Hotels 

Our Founder and President Harry G. Spirides is also a Licensed Real Estate Broker.  Real estate brokerage services are provided by our sister company Spirides Hospitality Realty Company, LLC.  The website for that company is  By seeking out and introducing prospective buyers Mr. Spirides can assist hotel owners with the sale of their hotels which is the ultimate hotel financial liquidity event.  

Call us now at (813) 327-5100 for a free consultation on any hotel investment project you are considering.

*All applications for financing are contingent upon the successful underwriting of the capital source(s) which examines among other things the credit quality, financial strength, and industry experience of the borrower and all guarantors of the loan as well as the financial, operational, and market feasibility of the contemplated project. 


Soli Deo Gloria