Hospitality
Fund the experience your guests remember.
Fast funding for hospitality businesses in Florida. Apply in 60 seconds.
Why Hospitality Businesses Need Funding
The real challenges hospitality owners face
Renovation and Capital Improvement
A hotel's star rating — and online review score — depends on the condition of every room. Renovation costs $10K–$30K per room and can't be deferred indefinitely.
Seasonal Staffing Surges
Peak season in Florida demands full staffing at the same time that pre-season expenses peak. Managing the timing gap requires working capital.
Furniture, Fixtures, and Equipment
FF&E replacement cycles are relentless: beds, linens, TVs, lobby furniture, pool equipment. Capital needs are ongoing, not one-time.
Technology and PMS Upgrades
Modern property management systems, keyless entry, digital concierge, and channel management software represent significant ongoing technology investment.
Luma Funding Options for Hospitality
The right product for the right moment
Cash Advance
$5K–$500K
Seasonal-friendly repayment that adjusts to your daily occupancy revenue.
Learn More →Business Loans
$10K–$500K
Fixed-term capital for renovations, capital improvements, and FF&E replacement.
Learn More →Equipment Financing
Up to $500K
Finance commercial laundry, kitchen equipment, pool systems, and HVAC.
Learn More →We needed to renovate 12 rooms before the winter season. Luma funded $180K with repayment structured around our peak season receipts. Occupancy went up 22% after the renovation.
James W.
Boutique Hotel
Key West, FL
$180K business loanaverage cost to renovate one hotel room
average Florida hotel occupancy rate in peak season
average Luma funding time
FAQ
Questions about funding your hospitality business
Yes. Independent motels, B&Bs, and boutique hotels with consistent occupancy revenue qualify. We evaluate trailing revenue, not flag or brand affiliation.
Yes. Room renovations, lobby upgrades, pool resurfacing, exterior painting, and common area improvements are all legitimate uses.
We look at full-year averages. Florida's seasonality is well understood — a strong peak season followed by a softer summer is a normal business pattern, not a red flag.
Yes. Stocking linen inventory, hiring seasonal staff, and making marketing deposits before peak season revenue arrives is a perfect use case for a revolving line of credit.
Three months of business bank statements, your Florida hotel license, and a description of your funding need. No full financial statements required for amounts under $150K.
Get funded for your hospitality business
Florida's fastest funding for hospitality owners. Apply in 60 seconds.