Short-term bridge loan · Midwest
Bridge loans for hotels, motels and short-term rentals across the Midwest
From 9% · up to ~70% of value · 3–24 months · $50K–$1M · 1–3 pts
Hospitality property is exactly where banks stall: seasonal income, franchise changes, PIP renovations, a maturing SBA note. We lend against the real estate itself — a limited-service hotel, an exterior-corridor motel, a portfolio of Airbnb cabins — so you can buy, reposition or refinance while the business proves itself.
Deal check · live
No credit pullLoan-to-value
60%
Your equity
40%
Rates from
9%
Your deal fits what we fund
40% equity · within our size and term range. If the documents line up, we can close fast.
Rates 9%–24% depend on amount, structure, valuation, borrower, timing and due date. Your quote follows review — not a commitment to lend.
What we look at
How we underwrite hotels & strs.
- Appraised or supportable value of the land and building, not just trailing revenue
- Franchise / flag status and any required PIP, with a realistic budget
- STR permits, occupancy history and seasonality for vacation rentals
- Your exit: refinance into SBA 7(a)/504 or CMBS, sale, or stabilization
Typical deals
Where this loan fits.
- Buying a motel or small hotel at auction or from a retiring owner with a 30-day close
- Paying off a maturing hotel loan while you shop permanent financing
- Cash-out on an owned hotel to fund a PIP, a second property or a flag conversion
- Acquiring or refinancing a short-term rental portfolio near a lake, resort or college town
Where we lend
Hotels & STRs loans by state.
0+
Deals reviewed
~1 in 4
Deals we fund
0 days
Average close (approved)
0%
Repeat borrowers
Illustrative figures · updated before launch
Borrowers on RECO
“Checked the deal on a Tuesday, had a quote Thursday, closed the duplex in nine days. The bank was still asking for tax returns.”
Sample · M. Alvarez · Investor · Kansas City, MO · $340K purchase bridge
Sample testimonials — replace with verified reviews before launch.
Why private capital
RECO vs. the bank
Questions
Straight answers.
Both. Franchised limited-service hotels, independent motels and boutique properties all qualify when the real estate has real equity and a clear exit. Flag approvals are your responsibility; we underwrite the property.