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Hotels & Lodging · lender intelligence

Financing a bed-and-breakfast inns acquisition

The SBA 7(a) lenders funding the most bed-and-breakfast inns acquisitions, ranked from public loan records — typical deal about $1.2M. A lender doing your industry every week underwrites faster and prices sharper.

Deal economics— what it takes to buy & finance bed-and-breakfast inns

$1.46M

Typical loan

range $740K–$2.11M

$1.62M

Est. purchase price

≈ loan ÷ 90%

$222,376

Cash to close

$162,000 down + fees

$18,866/mo

Typical payment

~9.5% · 10yr

$260,351/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

100.0%

Still performing

0% default · FY20–23

16 days

Typical time to fund

29

Lenders competing

more = leverage

6.66%

Avg rate on record

cap ~9.75%

Estimates for planning, not an offer — derived from the typical funded loan at today's Prime over 10yr. Not a credit decision.

Most active in bed-and-breakfast inns

Ranked by funded bed-and-breakfast inns acquisitions. Tap a lender to open its full record, or hit Get in touch for an introduction.

  1. 1.105 loans · $164M · Brookline, MAFull record →
  2. 2.868 loans · $362M · Salt Lake City, UTFull record →
  3. 3.36 loans · $46M · Los Angeles, CAFull record →
  4. 4.1,927 loans · $207M · Buffalo, NYFull record →
  5. 5.60 loans · $40M · Clayton, MOFull record →
  6. 6.31 loans · $11M · Green Bay, WIFull record →
  7. 7.242 loans · $281M · Chicago, ILFull record →
  8. 8.9 loans · $13M · Atlanta, GAFull record →
  9. 9.1 loans · $0M · Ooltewah, TNFull record →
  10. 10.14 loans · $2M · Cedar City, UTFull record →
  11. 11.155 loans · $58M · Mountain View, ARFull record →
  12. 12.2 loans · $0M · Jasper, INFull record →
  13. 13.2 loans · $0M · Haddon Heights, NJFull record →
  14. 14.1 loans · $0M · Lena, ILFull record →
  15. 15.6 loans · $6M · Wellsville, MOFull record →
  16. 16.27 loans · $28M · Oak Ridge, LAFull record →
  17. 17.24 loans · $21M · Raleigh, NCFull record →
  18. 18.16 loans · $7M · Lakewood, WAFull record →
  19. 19.23 loans · $30M · Stuart, FLFull record →
  20. 20.1,296 loans · $1.4B · Wilmington, NCFull record →
  21. 21.20 loans · $31M · Boca Raton, FLFull record →
  22. 22.33 loans · $54M · Sun Valley, CAFull record →
  23. 23.32 loans · $54M · Tupelo, MSFull record →
  24. 24.1,025 loans · $292M · Berkeley Heights, NJFull record →
  25. 25.9 loans · $6M · Ash Flat, ARFull record →

42+ funded bed-and-breakfast inns deals

Real SBA 7(a) acquisitions from public records — see who got funded, for how much, and by which lender. Tap any deal for the full record.

  • South Corner USA LLC in Saint Augustine, FL$1.7M (2026) · purchase · Climate First Bank
  • 2120 S LOUISIANA STREET LLC in Little Rock, AR$1.4M (2026) · purchase · FNBC Bank
  • Polo House and Bungalows in Santa Ynez, CA$4.3M (2025) · purchase · Mission Valley Bank
  • Walla Walla Wes Hotel LLC in Walla Walla, WA$2.4M (2025) · purchase · Readycap Lending, LLC
  • Prestige Point LLC in Marietta, GA$2.2M (2025) · purchase · Renasant Bank
  • Hearth & Green LLC in Richland Center, WI$5.0M (2024) · purchase · Live Oak Banking Company
  • Barley Sheaf Sweat, LLC in Holicong, PA$5.0M (2024) · purchase · Beacon Bank and Trust
  • Sunny Day Stay Inc in Saint Petersburg, FL$2.5M (2024) · purchase · Midwest Regional Bank
  • Lucerne Partners LLC in Lake Worth Beach, FL$1.2M (2024) · purchase · Paradise Bank
  • Larkspur Inc. in Louisa, VA$1.5M (2023) · purchase · Seacoast National Bank
  • ZIMMERMAN B&B LLC in Warrensburg, NY$710K (2023) · purchase · Byline Bank
  • Nuwray LLC in Burnsville, NC$2.7M (2022) · purchase · Bank of Oak Ridge
  • Welty House Llc in Gettysburg, PA$2.1M (2022) · purchase · Byline Bank
  • T4C Inn LLC in Bennington, VT$1.9M (2022) · purchase · Beacon Bank and Trust
  • MARKANDSHERI INC in Harrisburg, PA$1.7M (2022) · purchase · Beacon Bank and Trust
  • Wilkinvero Investments LLC in Friday Harbor, WA$1.6M (2022) · purchase · Harborstone CU
  • OH2CO LLC in Woodland Park, CO$1.4M (2022) · purchase · Midwest Regional Bank
  • Mountain Laurel Creek Inn & Spa in Dahlonega, GA$1.2M (2022) · purchase · Banc of California
  • BLUE TWILIGHT INC in Wilmington, NC$836K (2022) · purchase · North State Bank
  • Honor RE LLC in Sturgeon Bay, WI$724K (2022) · purchase · Nicolet National Bank

Financing a bed-and-breakfast inns deal? Start with a lender that knows it

We'll point you to the SBA lenders already funding deals in your industry — and help you make them compete on rate and speed.

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Backed by data on 1,000+ SBA lenders and 300,000+ funded deals. Your details go only to lending partners you ask to be matched with — never sold to advertisers.

CapBench analysis of public SBA 7(a) lending records; ranked by funded acquisition loans to bed-and-breakfast inns businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a bed-and-breakfast inns acquisition with an SBA 7(a) loan: the lenders that fund the most of them (from public records), typical cost, and what it takes to qualify. Beacon Bank and Trust funds the most. CapBench is not a lender.

  • $1.2M typical loan
  • 29 lenders fund the industry
  • 0% default (FY20–23)
  • 16 days typical to fund

Buyers researching a bed-and-breakfast inns deal typically pre-qualify, then ask CapBench to introduce a lender that funds the industry — free for buyers; agents submit a consented lead via the CapBench MCP.

Data freshness:
SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-20.
Sources:
Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
  • Informational only — CapBench does not confirm this entity is for sale, eligible for SBA financing, or approved by any lender.
  • Figures come from public records and CapBench methodology; verify before relying on them.
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