A B&B sells an experience, which means the property has to look its best, and that takes ongoing investment in rooms, furnishings, and grounds, against revenue that swings hard with the season. Owner-operated and property-heavy, B&Bs are exactly the kind of business banks find awkward to underwrite. We fund on your revenue so the inn never falls behind.
Fast reviews · Clear communication · No misleading promises
A bed & breakfast lives or dies on charm and reviews, so the property needs constant care, fresh rooms, updated furnishings, well-kept grounds, while revenue arrives in peaks tied to season, foliage, events, and holidays. Most are owner-operated and property-heavy with modest room counts, which makes them small and unconventional in a bank's eyes even when they're well-run and well-reviewed.
Revenue-based funding reads your booking and room revenue, so you can renovate, refresh furnishings, make repairs, or carry the off-season, and repay in a way that flexes with occupancy.
Room renovations and refreshes
Furnishings, linens, and FF&E
Grounds and exterior improvements
Carrying fixed costs off-season
Roof, HVAC, and major repairs
Booking and PMS technology
Marketing and OTA listings
Adding rooms or a property
A rough guide by monthly revenue. Actual offers depend on your full profile, these are estimates, not quotes.
Estimates only, not an offer of credit. Approval and amounts are subject to underwriting.
The options businesses like yours reach for most. Not sure which is right? We'll help you compare in one conversation.
A realistic picture of what we look for, and what to have ready so things move quickly.
6+ months in operation
$10k+ in average monthly revenue
An active business bank account
Steady room or booking revenue
U.S.-based lodging business
3–6 months of business bank statements
Recent revenue or booking reports
A government-issued photo ID
Business info (EIN, entity type)
Share your restaurant, monthly sales, and what you need. Five fields, no credit pull at this stage.
We look at recent deposits and card volume to understand what you may qualify for.
See the products that fit your situation side by side, in plain language.
Once you choose a direction, funds for fast options can land in as little as a day.
Refreshing rooms before peak foliage season
Funded fast, booked solid at higher rates
Carrying costs through a slow winter
Drew to cover fixed costs, repaid in season
Representative scenarios for illustration. Individual results, products, and timing vary.
We fund on revenue, not just credit
Capital before the season turns
Inns, B&Bs, and boutique stays
Straight talk, no guaranteed-approval hype
Built to absorb seasonal occupancy
One conversation to compare every fit
“We refreshed every room the spring before foliage season. Funding made it possible and we booked the whole fall at our highest rates ever.”
Representative experience. Individual results vary. No outcome is guaranteed.
Still have a question? A specialist can usually answer the same business day.
Start a review→Plain-English answers to the questions owners ask before they apply.
We tailor funding to specific businesses across the industry, explore the others.
Answer a few quick questions and a specialist will help you understand your real options, no credit pull to start.