AAHOA Member Hotel Financing Through AAHOA Lending: How It Works in 2026

AAHOA member hotel financing routes one request through AAHOA's affiliated lending platform instead of bank-by-bank outreach. The process standardizes loan requests, underwriting documents, and lender matching across SBA, conventional, CMBS, bridge, and construction products. Loan sizes run from sub-$1M SBA acquisitions to $50M+ CMBS and construction refinances.

AAHOA members pay discounted fees, charged only when a deal closes and funds. If you want the platform mechanics, fee structure, and document requirements in one place, see AAHOA Member Hotel Financing via AAHOALending.com. Your starting position matters more than the number of term sheets you collect.

Key takeaways

• AAHOA Lending routes one hotel loan request across SBA, conventional, CMBS, bridge, and construction products.
• AAHOA members pay discounted fees, charged only when a deal closes and funds.
• Deal-ready packages assemble within 24 hours, and indicative term sheets arrive in 1-3 days.
• Loan sizes span sub-$1M SBA acquisitions to $50M+ CMBS and construction refinances.

AAHOA hotel loans at a glance: loan sizes and rates by deal type

AAHOA hotel loans span six main products, each fitting a different ownership stage. The ranges below reflect the lending environment as of October 23, 2026, including 6.97% effective, 25-year fixed SBA 504 debenture pricing and 6.83%-7.33% CMBS pricing at 65-75% LTV.

A few ranges need context before you anchor to them. Northmarq's CMBS spread assumes 65-75% leverage, so pushing above that band can move pricing outside the quoted range. The obvious winner on rate can be the wrong fit if your PIP scope is moving, your maturity is near, or your asset does not yet fit permanent underwriting.

What is AAHOA Lending and how does it connect members to capital?

AAHOA Lending is the financing platform AAHOA built for its membership, run through AAHOALending. com and powered by Bridge. It replaces individual bank outreach with a single loan request.

Before launch, AAHOA documented the need clearly. Ninety-five percent of hoteliers told AAHOA they would benefit from comparing financing terms in a standardized format, in a member survey conducted before the platform launched. That points to a real operating problem: owners were still gathering loan terms one bank at a time, even as underwriting standards moved.

Current lender-focus data makes the process work. Bridge tracks which lenders are active in hospitality, what their credit boxes look like this month, and where their rate ranges sit, updating that picture daily. Your request goes to lenders whose current underwriting appetite fits the deal, instead of being pushed broadly and rejected after weeks of back-and-forth.

If you are organizing a refinance or acquisition request now, package quality matters as much as headline rate. The hotel financing data room guide shows what lenders expect to see before they move from interest to execution.

How does the AAHOA Bridge partnership change the financing process?

The AAHOA Bridge partnership began as a Club Blue sponsorship and became a lending platform. Bridge joined AAHOA as a Club Blue Industry Partner, and the platform launched publicly at AAHOACON25 in April 2025.

The results since launch are measurable. AAHOA Lending has facilitated more than $1 billion in financing requests and helped over 100 AAHOA members negotiate better terms within its first year, according to Today's Hotelier. That is request volume already moved through the platform.

The pricing model is straightforward. There is no cost to submit a request, build a deal room, or review term sheets. AAHOA members pay a placement fee on the funded loan amount, charged only when a deal closes and funds. A non-member working directly with Bridge pays a higher standard fee, so membership has direct economic value on any closed deal.

DK Patel, president of Prianna Hospitality and an AAHOA member, put it this way in Today's Hotelier: "AAHOA Lending is the most efficient financing process I've used because their technology is powered by real people. We've now closed multiple deals with them, and I can't imagine going back to a manual process."

What are the three steps to request hotel financing for AAHOA members?

Hotel financing for AAHOA members runs through three steps, from initial submission to signed term sheet.

• Choose this path if you want one starting point. You submit a loan request at AAHOALending. com with the basics: property type, location, loan purpose, budget or trailing-12-month financials, and a short overview of the deal. This step takes about 10 minutes. Milestone: your request enters the lender-matching queue the same day.
• Choose this path if your materials are incomplete or scattered. Bridge assembles the materials lenders actually ask for, rent roll, STR competitive-set report, PIP status, and a pro forma, inside 24 hours. Milestone: you get a deal-ready package tailored to what active hospitality lenders are underwriting now.
• Choose this path if you need side-by-side structure comparisons. Most borrowers receive indicative terms from multiple lenders within one to three days. You compare rate, fee, leverage, and structure side by side, then select the lender that fits the deal. Milestone: signed term sheet, followed by standard underwriting and closing timelines that vary from 45 to 90 days depending on the product.

The obvious choice is not always the right one. More term sheets do not fix a weak starting position, and a lower rate does not solve a maturity issue if the asset still has PIP work ahead of it. Before you lock this in, make sure the structure fits the deal you have now, not the one you had a year ago.

Worked example: $8M Hampton Inn refinance through AAHOA Lending

Here is how the process plays out on an actual deal size. An AAHOA member owns a 120-room Hampton by Hilton with a CMBS loan approaching maturity. The owner submits an $8M permanent debt refinance request through AAHOALending. com.

Day 0 financing action: request submitted with property details, trailing financials, and loan purpose.

Day 1 milestone: deal-ready package assembled, rent roll, STR report, and PIP status compiled within 24 hours.

Day 2 financing action: three indicative term sheets come back. One is a conventional bank quote at 6.5%-7.75%. One is a CMBS quote at 6.83%-7.33% at 65-75% LTV. The third is a bridge quote, held in reserve in case the PIP scope changes before closing.

Day 2-3 milestone: borrower selects the conventional bank term sheet, locking in 7.1% fixed on a 25-year amortization schedule.

Day 5-7 milestone: signed term sheet. Total elapsed time from request submission to signed term sheet: under one week.

The platform cost appears only at the finish line. The 0.50% AAHOA member placement fee applies to the $8M funded balance: $8,000,000 × 0.50% = $40,000, due at closing and funding only. Nothing is owed for the request, the package, or the term sheet comparison.

That fee is small next to the cost of guessing. A manual search across five or six banks commonly takes four to six weeks just to collect comparable quotes, before underwriting even starts. In this case, the process compressed that into under seven days and still delivered three competing structures. That reduction in drift can protect leverage before the refinance starts to stall.

If you are refinancing around a brand property or repositioning plan, the right structure can change with the flag and the PIP burden. For Wyndham-branded deals, see Wyndham hotel financing. For acquisition-stage deals that need a different structure, see Mid Market Hotel Acquisition Financing.

When is this the wrong tool?

AAHOA Lending is not the right fit for every situation.

• Avoid it if you need funds in under two weeks. Fast lender matching does not change a 45-90 day close on SBA and CMBS products, because underwriting and documentation still set the pace.
• Avoid it if you are not an AAHOA member and the fee discount is the main reason you are here. The process is still available, but you do not get the member placement-fee discount.
• Avoid it if your asset is not hospitality. A mixed-use building, an office conversion, or a standalone restaurant property will not get the same fit from this hotel-specific credit-box data.
• Avoid it if your relationship bank is already ahead on structure and pricing. An existing bank that knows your portfolio may be more valuable than restarting the process with a new lender group.
• Avoid it if your request is below roughly $500K. Smaller PIP-only or FF&E requests do not get the same lender attention as larger acquisition or refinance requests.

That does not make the platform weak. It means the tool is built for a specific underwriting reality. If you are carrying a near-term PIP with a maturity coming up, Hotel Renovation Financing can help you think through the structure before you request terms.