Loan Programs


More than any hotel finance company, Access Point Financial offers customized solutions and provides certainty of execution for franchisees who seek to capitalize on unique market opportunities, such as Construction loans. Being a preferred lender with close alliances to leading associations and brands in the hospitality industry, we are able to provide tailored loans to meet the specific needs of hotel owners. APF provides hotel financing expertise and efficient underwriting and loan processing.

APF is considered a leader in the hospitality industry for Capex, Bridge, Construction, and Mezzanine/ Preferred Equity loans. Other financial institutions only look at the hotel’s historical financial performance when making a credit decision. APF’s focus is on proforma based underwriting and understanding the transaction in detail. Each loan opportunity is unique. Our focus is on value-add transactions where the hotel is undergoing a conversion or the hotel must undergo a brand mandated Property Improvement Plan (PIP) or renovation. We will also look at construction loans, with strong and experienced sponsors, for a strong brand in a robust and stable market. We understand these types of transactions intimately and work diligently with clients to ensure a smooth and successful closing.

APF loan terms are based on the creditworthiness of the borrower and the viability of the project, and our model allows for transparent loan product delivery.


New construction loans are currently available for franchised hotels in the $5 million – $20 million range with credit enhancements from the franchisor and/or Municipality. These loans are generally short term loans, 2 to 3 year terms with the first two years being interest only. Following the completion of construction, owners typically refinance the loan and obtain traditional financing at a lower interest rate.

transaction size

Up to $20 million per property. Larger projects will be considered on a case-by-case basis. 

Use of proceeds

Development of new hotels in strong secondary markets.

Interest Rate

Starting at 700 basis points over the applicable index.

Typical Terms

3 -5 years. Interest only period of 24 months.


Personal and/or corporate guarantees as well as credit enhancements from franchisor or Municipality

Debt Service Coverage Ratio (DSCR) Requirements

Minimum 1.35x at stabilization (typically year 3 post opening)


Total overall debt on property not to exceed 75% LTC or 65% stabilized LTV