Business Loans for Women in Hospitality
Women own and operate hotels, B&Bs, inns, and hospitality businesses across every segment. From boutique properties to multi-site operations, women-owned hospitality faces the same financing challenges as all properties with some unique considerations.
How much funding do you need?
Drag the slider or type an amount
Women in Hospitality Leadership
Women entrepreneurs lead hospitality businesses across every segment. The financing landscape includes mainstream options and programs specifically designed for women-owned businesses.
Growing Leadership
Women own approximately 30% of hotels and lodging businesses in the US, with particularly strong representation in boutique properties, B&Bs, and independent hotels.
Segment Distribution
Women-owned hospitality spans boutique hotels, bed & breakfasts, vacation rentals, event venues, and increasingly franchise properties across all segments.
WBE Certification Benefits
Women Business Enterprise (WBE) certification can provide access to certain corporate travel contracts and programs. Some corporations specifically seek WBE-certified hotels.
Financing Access
Research shows women business owners historically received smaller loan amounts. Awareness and working with lenders who understand hospitality helps ensure appropriate financing.
Considerations for Women-Owned Hospitality
Hospitality financing challenges are universal, but awareness of dynamics specific to women-owned businesses helps ensure equitable treatment.
Same Hospitality Challenges
Women-owned properties face identical seasonal patterns, equipment needs, and renovation requirements as all hospitality businesses.
Financing Amount Disparity
Research shows women business owners often receive smaller financing amounts. Understanding your property's true capital needs helps ensure you request appropriate amounts.
Network and Resource Gaps
Traditional hospitality networks were historically male-dominated. Women owners may have fewer mentors with financing experience.
Property Acquisition Access
Many properties available for acquisition come from retiring owners. Ensuring fair valuation and appropriate financing supports ownership transition.
Work-Life Integration
Women often build hospitality businesses around family considerations. Financing structures should support the business you want to build.
Boutique Property Focus
Women-owned hospitality often emphasizes boutique, experience-focused properties that may have different financing considerations than chain properties.
Financing Your Property
The process works the same for all property owners. We evaluate your property on its merits.
Application
Complete online application with property information and capital needs.
10 minutes
Documentation
Provide bank statements and any additional financials based on product type.
Gather documents
Evaluation
We review financials, seasonal patterns, and property performance.
24 hours - 3 weeks
Funding
Accept terms and receive funds deposited to your business account.
Same or next day
Hospitality Financing on Your Terms
Access the same financing products available to all hospitality businesses. Equipment financing, working capital, lines of credit, SBA loans, and every product type with hospitality expertise that evaluates your property on its merits.
All Products Available
Equipment financing, working capital, lines of credit, SBA loans, revenue-based financing, and every product type.
Hospitality Expertise
We understand seasonal patterns, occupancy metrics, and property operations regardless of owner demographics.
Merit-Based Evaluation
Your property is evaluated on occupancy, revenue, and financial performance, not demographics or stereotypes.
Appropriate Amounts
We help ensure your financing matches actual needs. No under-financing that constrains growth.
Special Programs
Access to any special programs for women-owned businesses where applicable to hospitality.
Network Resources
Connections to hospitality business resources, women entrepreneur organizations, and support networks.
Financing for Women-Owned Hospitality
Common capital needs for women entrepreneurs in lodging.
Property Acquisition
Purchase an existing hotel, B&B, or inn. Fair valuation and appropriate financing for ownership transitions.
Typical funding: $150K-$750K
Property Launch
Starting a new hospitality venture requires equipment, working capital, and facility setup.
Typical funding: $100K-$400K
Equipment Investment
HVAC, kitchen, laundry, and property systems. Finance equipment without depleting working capital.
Typical funding: $25K-$200K
Pre-Season Capital
Fund staff hiring and supply purchases before peak season revenue arrives.
Typical funding: $25K-$100K
Property Renovation
Room updates, amenity improvements, and property enhancements. Growth capital for property development.
Typical funding: $50K-$300K
Working Capital
Bridge seasonal gaps and manage hospitality cash flow challenges.
Typical funding: $25K-$150K
Financing Options Available
Full range of hospitality financing products for women-owned properties.
| Feature | Equipment Finance | Working Capital | SBA Loans |
|---|---|---|---|
| Best For | Property systems | Cash flow needs | Major investments |
| Amount Range | $25K-$500K | $25K-$400K | $150K-$5M |
| Speed | 3-7 days | 24-72 hours | 60-120 days |
| Collateral | Equipment | Often none | Required |
| Terms | Up to 84 months | 3-24 months | Up to 25 years |
| Rate Range | 8-18% | 12-25% | 9-12% |
| Documentation | Moderate | Light | Extensive |
| Seasonal Structure | Fixed | Negotiable | Fixed |
General Qualification Guidelines
Requirements vary by product type. General guidelines for hospitality financing.
Property History
Operating hospitality business with revenue history. Newer properties may qualify for some products.
6 months - 2 years depending
Property Revenue
Revenue sufficient for the financing amount requested. Requirements vary by product.
$200,000+ annual for most
Business Entity
Properly structured business entity (LLC, Corp, etc.).
Legal business structure
Bank Account
Business bank account showing property operations and deposits.
4+ months history
Licensing
Required hospitality licenses and permits in good standing.
Current licenses
Ownership
Clear property ownership structure. Majority women ownership for WBE programs.
51%+ for WBE
Specific requirements depend on product type. We evaluate each property individually based on its merits.
Real Results
Sarah M.
24-room Boutique Inn, Massachusetts
The Challenge
Sarah purchased an historic inn three years ago. She needed $120,000 for comprehensive kitchen renovation and room updates. Her initial financing quote seemed lower than comparable male-owned properties had received.
The Solution
We evaluated her property's strong occupancy (72% annual), excellent reviews, and growing revenue. She qualified for $135,000, more than requested, with equipment and working capital components.
The Result
Renovation completed before peak season. Updated rooms commanded 25% higher rates. Kitchen renovation enabled catering and events, adding new revenue stream. Property revenue increased 40% year-over-year.
“I almost accepted financing that would have forced me to phase the renovation over two years. Getting proper evaluation of my property's potential made the complete renovation possible in one season.”
Women in Hospitality Data
Statistics on women-owned hotels and lodging businesses.
Supporting Women in Hospitality
Resources and considerations for women-owned hospitality businesses.
Fair Evaluation
Your property is evaluated on performance merit. Occupancy, revenue, and seasonal patterns matter most.
Right-Sized Financing
We help ensure you receive appropriate financing for actual needs, not reduced amounts.
Network Connections
Access to women entrepreneur organizations and hospitality business resources.
Certification Guidance
Information about WBE certification if relevant to your property and target market.
Mentorship Access
Connections to successful women hospitality owners where appropriate.
All Products
Full range of financing products. Choose what fits your specific needs.