HOTELS & SHORT-TERM RENTALS • LINE OF CREDITHotel and short-term rental financing — keep every room guest-ready
Loot offers hotels and short-term rental operators an unsecured business line of credit from $5,000 to $100,000. Use it to cover turnover costs, seasonal staffing, and repairs, or give your business the room to add a property without draining the cash needed for everything else. Established hotel and short-term rental businesses with 1+ year in business and $200K+ in annual revenue can check their options with a soft pull. Requests up to $30K get an instant decision, while larger requests may take a few more minutes.
No collateral
No hidden fees 
Same-day funding for $49
Hotel and short-term rental challenges: seasonality, turnover costs, and booking-platform payout timing
Hotels and short-term rental operators often need to pay for cleaning, staffing, and repairs on a fixed schedule, while bookings, occupancy, and platform payouts swing with the season. A slow season, a platform payout delay, or a property that needs work between guests can strain cash flow even for a business with strong year-round demand.
Cover cleaning and turnover costs between every guest- Staff up for peak season without straining the off-season budget
- Handle repairs and maintenance before the next booking arrives
Where a hotel and short-term rental line of credit does the heavy lifting
Six moments when hospitality cash flow needs backup — and how a Loot line of credit can help.
Cover cleaning and turnover costs
Every checkout means cleaning, laundry, and restocking before the next guest arrives. A line of credit can help keep turnover costs covered during a busy stretch of back-to-back bookings.
Staff up for peak season
Front desk, housekeeping, and maintenance staff often need to be hired and trained weeks before peak season bookings actually pay out. A line of credit can help cover seasonal payroll without pulling cash away from off-season reserves.
Handle repairs and maintenance between guests
A broken HVAC unit, a plumbing issue, or storm damage can take a room or property out of service fast. A line of credit can help cover the repair so a unit gets back on the booking calendar sooner.
Bridge booking-platform payout timing
Short-term rental platforms and booking sites don't always pay out immediately after a guest checks in. A revolving line can help smooth the gap between a confirmed booking and the actual payout landing.
Furnish or refresh a property between seasons
Furniture, linens, and amenities wear out and often get refreshed between busy seasons, when bookings — and cash flow — are lighter. A line of credit can help cover a refresh without waiting for peak season to fund it.
Add a new room, unit, or property
Adding a new room, unit, or short-term rental property to the portfolio can require upfront costs for furnishing, permitting, and setup before it ever earns its first booking. A line of credit can help fund that expansion without straining the properties already generating revenue.
How a hotel and short-term rental line of credit helps
A business line of credit for hotels and short-term rental operators provides flexible capital for turnover, staffing, and repairs. Draw loot when needed, repay as bookings come in, and keep every room guest-ready.
Loot for turnover and repairs
Draw capital instantly to cover cleaning, staffing, and repair costs.
No hidden costs
Only pay for what you use — no extra fees added to the bill.
Fits any portfolio size
From a single short-term rental to a multi-property or multi-room hotel operation, the line flexes with your needs.
Trusted by hotels and short-term rental operators
Built by operators who understand seasonal swings, platform payout timing, and the cost of keeping every room guest-ready. Transparent pricing, no hidden costs.
Speed that keeps pace with booking season
From application to funding, Loot provides hospitality operators with capital faster than a booking season can slip away.
Flexible like an occupancy calendar
Use a little or a lot. Repay as bookings pay out. Scale limits as the portfolio grows.
How a Loot line of credit works for a hotel or short-term rental business
Say your business needs $18,000 to cover a property refresh, seasonal housekeeping staff, and an HVAC repair ahead of peak season. With Loot, you can draw $18,000 from your approved line.
Before you confirm, you choose a fixed weekly repayment plan upfront, such as 16, 20, or 24 weeks. You see the total cost before you move forward.
If bookings pay out sooner than expected and you pay the draw off early, there is no prepayment penalty. Paying off early can save up to 50% of remaining fees.
As you repay, your line revolves — the funds become available again as you pay down the draw. Same-day approval is standard, decisions happen in minutes, and once approved, same-day funding is available for a $49 transfer fee.
Requirements for hotel and short-term rental financing
To qualify with Loot, your hotel or short-term rental business needs:
1+ years
$200k+
None
Checking eligibility is a soft pull, so it does not impact your credit score, approved or not. Loot looks at real business cash flow, not just a credit score.
Hotel and short-term rental line of credit vs. term loan vs. business credit card
| Features | Business Line of Credit | Term Loan* | Business Credit Card |
|---|---|---|---|
| How you access funds | Draw from an approved credit line when your hospitality business needs funds | Receive one lump sum upfront | Use the card for purchases up to the credit limit |
| What you pay for | Only the amount you draw | The full loan amount* | Purchases made on the card |
| Repayment | Each draw has a fixed daily, weekly, bi-weekly, or monthly repayment plan chosen upfront | Usually fixed payments over a set term* | Minimum monthly payments, with added fees if a balance carries |
| Revolves? | Yes, available credit returns as you repay | No, it is a one-time loan* | Yes, available credit renews as you pay |
| Best for | Turnover costs, seasonal staffing, repairs, and payout timing gaps | Purchasing or renovating a property outright | Smaller purchases and everyday expenses |
A term loan* may suit purchasing or majorly renovating a property outright. A business credit card may work for smaller day-to-day expenses. A line of credit can support the recurring costs of hospitality — turnover, seasonal staffing, and repairs — while bookings and payouts follow their own schedule.
What hotels and short-term rental operators can use a line of credit for
- Cleaning and turnover costs
- Seasonal staffing and payroll
- Repairs and maintenance
- Furnishing or refreshing a property
- Bridging booking-platform payout timing
- Adding a new room, unit, or property
- Permits, licensing, and compliance costs
- Off-season operating costs
Draw funds when the business needs them. Repay on the weekly plan you choose upfront. Keep your treasure chest available as you repay.
Financing for independent hotels and motels
Financing for independent hotels and motels can help cover staffing, repairs, and turnover costs without the backing of a larger franchise. A line of credit can help an independent property compete on guest experience without straining cash flow.
Financing for short-term rental and vacation property operators
Financing for short-term rental and vacation property operators can help cover cleaning, restocking, and repairs between guest stays. A line of credit can help keep a rental property guest-ready even during a run of back-to-back bookings.
Financing for bed and breakfasts and boutique inns
Financing for bed and breakfasts and boutique inns can help cover seasonal staffing and property upkeep between busy stretches. A line of credit can help a smaller hospitality business manage the gap between quiet and peak season.
Financing for multi-property vacation rental portfolios
Financing for multi-property vacation rental portfolios can help cover turnover, staffing, and repair costs across several units at once. A line of credit can help a growing portfolio keep every property guest-ready without straining any one unit's budget.
Financing for seasonal hospitality staffing
Financing for seasonal hospitality staffing can help cover payroll for housekeeping, front desk, and maintenance staff hired ahead of peak season. With Loot, you can draw for seasonal payroll, see the total repayment before confirming, and pay it down early if bookings pay out sooner.
Financing for property repairs and upgrades
Financing for property repairs and upgrades can help when an HVAC system, plumbing issue, or storm damage needs to be addressed before the next guest arrives. A line of credit can help cover the repair so a room or unit gets back on the booking calendar faster.
Hotel & short-term rental financing FAQs
Loot has no minimum FICO score requirement. Underwriting looks at real business cash flow, not just a credit score. Your hospitality business still needs 1+ year in business and $200K+ in annual revenue to qualify.
Hotel and short-term rental operators can get a decision in minutes, and same-day approval is standard. Once approved, same-day funding is available for a $49 transfer fee.
No. Checking eligibility with Loot is a soft pull. It does not impact your credit score, approved or not. You can review your options before deciding whether to draw from the line.
Yes. Hotels and short-term rental operators can use a Loot line of credit for seasonal payroll, cleaning and turnover costs, repairs, and other business expenses. You see the total cost before confirming and only pay when you draw.
Yes. A revolving line of credit can help cover turnover and staffing costs while waiting on booking-platform payouts to land, so a property stays guest-ready regardless of payout timing.
Yes. A Loot line of credit is business capital, not tied to any single property — you can draw against it for whichever property or unit needs cash at the time.
Apply for hotel and short-term rental financing today
If you're covering turnover costs between guests, staffing up for peak season, or waiting on a booking payout to land, a line of credit can give your hospitality business more room to work with.
Get $5,000 to $100,000. Apply in minutes with a soft pull that will not impact your credit score. If approved, you can draw what you need, see the total cost before confirming, and keep your treasure chest available as you repay.
No collateralNo hidden fees Same-day funding for $49