Finance for hotels, motels and resorts, whether you’re acquiring, refinancing, refurbishing or expanding
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Hotels and resorts combine high-value property assets with complex business operations. Occupancy rates, food and beverage revenue, refurbishment cycles, ownership structures and the distinction between freehold and leasehold all influence how lenders assess these transactions.
At 3LANE Finance, we help hotel and resort owners and operators across Sydney and NSW secure finance that's tailored to the unique needs of the accommodation sector. Whether you're acquiring a property, refinancing existing debt, funding renovations or investing in a freehold, we compare banks, specialist non-bank lenders and other funders across our broad lender panel to find the right solution.
With experience arranging finance for complex hospitality assets, we understand how lenders assess hotel and resort businesses and present your application in the strongest possible light.
Hotels and resorts are among the most complex commercial property investments to finance. We understand how lenders assess accommodation businesses and present your application in a way that reflects the strength of both your property and your operation.
We compare finance options across banks and specialist non-bank funders. Rather than being limited to one lender's products, we help you find a finance solution that's suited to your investment strategy and long-term objectives.
We understand how lenders assess occupancy rates, room revenue, food and beverage income, management structures and refurbishment plans. We structure your application to reflect the full value and performance of your hotel or resort.
Not every lender has the same appetite for hotels and resorts. Before you apply, we identify the lenders whose lending criteria align with your circumstances, helping strengthen your application while avoiding unnecessary applications.
From your first conversation through to settlement, we manage your finance application, liaise with the lender and keep the process moving. As your investment grows and your funding needs evolve, we're here to help you review your finance options and plan your next acquisition, refinance or renovation.
Hotels, motels and resorts require finance that's tailored to both the property and the business that operates within it. We help you secure funding that's aligned with your investment strategy, ownership structure and long-term plans.
Hotel and accommodation finance is typically provided by a more specialised group of lenders with experience assessing both property and operating performance. They assess factors such as occupancy rates, room revenue, food and beverage income, management agreements and refurbishment plans alongside the property's underlying value.
We structure your finance application around your property's trading performance and ownership model, whether you're operating independently or under a hotel or resort brand. Where renovations, refurbishments or expansion are part of your plans, we can coordinate those funding requirements alongside your property finance to create a single, cohesive lending solution.
Hotels, motels and resorts require specialist finance expertise. We simplify the lending process by identifying the right lender, structuring your application and managing the process from start to finish.
We take the time to understand your goals, the property's trading performance, ownership structure, security and the type of finance you need. We also consider the factors lenders assess when financing accommodation businesses.
We compare lenders, loan structures and repayment options before you apply. By matching your investment with lenders suited to your circumstances, we help strengthen your application and structure finance that supports your long-term strategy.
We prepare your application, liaise with the lender and keep the process moving through to settlement. With 3LANE Finance managing the details, you can stay focused on running your business and planning your next investment.
Estimate repayments and borrowing capacity for your hotel or resort finance. Indicative only — your broker can confirm the figures for your specific transaction.
Estimates only — not a quote, credit assessment or finance approval. Figures exclude fees and assume principal & interest repayments. Stamp duty uses NSW general rates, which are indexed and may change. Speak to a 3LANE broker for numbers specific to your situation.
Get a tailored assessmentBased in Marrickville, we support borrowers across Sydney and NSW — in person or remotely.
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Quick answers for clients comparing finance options.
Yes. We arrange commercial property finance for hotel and resort acquisitions and compare lenders with the scale, appetite and sector experience to assess larger accommodation asset.
Yes. Lenders experienced in hotel and resort finance typically look at occupancy rates, room revenue, seasonal trading patterns and overall operating performance.
Yes. We arrange renovation and development finance for hotel and resort upgrades. We structure your finance application around your scope of work and your property's ongoing trading during the project.
It can. Lenders may view a property under an established hotel brand or management agreement differently to an independently operated property. We factor the management or franchise structure into our lender comparison and finance application.
Yes. We can arrange working capital finance to help manage seasonal trading cycles, operating expenses and short-term cash flow requirements.
We work across major banks and specialist non-bank funders. We match your finance needs to a suitable lender, to support your hotel and resort business.
Yes. We arrange equipment and fit-out finance for rooms, dining and amenity areas, alongside broader property or development finance where relevant.
Our services are typically free to you, as the lender pays us a commission when your finance settles. If a particular scenario ever required a fee, we would explain and agree this with you in writing first.
Given the scale and complexity of most hotel and resort transactions, approval can take longer than standard commercial finance. We will give you a realistic timeframe once we understand your specific property and structure.
Yes. We check in periodically to see whether your current rate, structure and features still suit your hotel business. We also identify any refinancing opportunities as they arise.
Whether you’re acquiring, refinancing, refurbishing or expanding, we’ll help you identify suitable lenders and structure finance around your property, business and long-term plans.
