FLORIDA · NAICS NAICS 7211 family
Florida hotel and motel projects run from Miami and South Florida resort markets to Orlando, Tampa Bay, Jacksonville, and the Panhandle. Studies tie flag standards, average daily rate, occupancy, and revenue per available room to documented leisure and business demand, then resolve the state's defining problem: seasonality, with monthly demand curves replacing annual averages in any credible projection.
FEASIBILITY TRIGGER
Hotels are on the SOP 50 10 8 special-purpose list, so a third-party feasibility study is normally required, the appraisal must come from an industry-experienced going-concern appraiser, and equity rises to 15 percent, or 20 percent for a startup flag.
From FY2010 through FY2026, Florida recorded 825 SBA-disbursed hotel loans across the 7(a) and 504 programs, representing $1.86 billion in approved financing at an average loan size of $2.3 million. The state sits at rank #4 of 38 for hotel SBA lending volume and holds 5.3% of the national hotel dollar pool. 7(a) accounts for 70.4% of the count, 504 for the rest, with 79 fresh approvals dated FY2024 or later.
| Disbursed loans (FY2010–FY2026) | 825 |
| Approved volume | $1.86 billion |
| Average loan size | $2.3 million |
| 7(a) share | 70.4% |
| Approvals since FY2024 | 79 |
| State rank by loan count | #4 of 38 |
Among the 665 seasoned loans in this segment (approvals FY2010–FY2021), 2.9% reached adverse resolution — purchased, liquidated, or charged off. The national benchmark for hotel is 4.4%, against 7.3% across all industries. That performance runs below the national benchmark for this asset class, a credit-positive signal for lenders.
Source: SBA 7(a) and 504 FOIA loan-level data, as of March 31, 2026. Disbursed loans only. See data methodology.
A 2.9% adverse-resolution rate below the national hotel benchmark of 4.4% supports the credit story for well-underwritten Florida projects in this class. Across 825 SBA loans averaging $2.3 million, that track record does not eliminate the need for a third-party feasibility study, but it means a rigorous study reinforces rather than defends the projections.
Every Florida hotels and motels project we underwrite follows the same lender ready process: independent market analysis, site and technical review, and financial projections tested against SBA SOP 50 10 8 standards. Our SBA feasibility study consultants guide explains scope, timing, deliverables, and what lenders and CDCs expect in the report.
Florida projects often fit SBA 504 where owner-occupied real estate anchors the deal, with the 50/40/10 structure delivering up to 90 percent financing at a fixed debenture rate, while SBA 7(a) covers acquisitions, working capital, and equipment. From July 4, 2026 eligible borrowers can combine 7(a) and 504 for up to $10 million in total program credit.
The nation's deepest leisure demand base anchors Florida lodging, with 2026 World Cup matches in the Miami metro lifting near-term comp sets and seasonality analysis decisive statewide.
For a national view of this asset class, see our hotel SBA feasibility overview, and read our related analysis in the hotel lending research on our blog. Lenders and sponsors can engage a hotel feasibility study consultant for SBA loans.
Public SBA and CDC program records, cited as program evidence
$15,188,000 SBA 504 through TMC Financing
58,370 square foot hotel closed May 29, 2025, national program evidence
Marina, Monterey County, California
Fifteen-minute scoping call, written proposal inside one business day, firm fixed fee before you sign.
Book a MeetingOur SBA feasibility study consultants prepare lodging and hospitality studies for lenders, CDCs and sponsors. See pricing, methodology or request a fixed fee quote.
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