Building a new hotel is a long process that requires patience and innovation. It’s also a big investment into what can be a very complex project. Whether you’re a seasoned veteran who has completed many hotel construction projects or you’re new to the industry, having key partners on your side that you can trust is critical for smooth project completion. Live Oak has the experience and insights needed to help you accomplish your goals.

Because we work with hoteliers all across the United States, our expert lenders can provide the right hotel construction financing options to streamline the process and help you avoid making costly mistakes. Ultimately, we consider ourselves successful when the doors of your new hotel open and you begin serving guests. Here’s what you can expect after connecting with one of our loan officers:

Pre-Approval & Proposal

Connect with us as early in the project planning phase as possible. Collaborating with our team allows us to work with your architect, your general contractor and other vendors to find the best funding options. Your loan officer will collect your business plan, projections and other important documents to pursue a pre-approval. Pre-approval usually happens within one to two business days after all documents are obtained. Your loan officer will then issue you your proposal letter.

Underwriting & Closing

Underwriting begins after you’ve signed and returned your proposal letter. Your underwriter will work with our credit officers to secure final approval of your loan request. This process typically takes one to two weeks. If your loan request is approved, your loan officer will send your commitment letter detailing your loan terms and a hotel loan closing specialist and construction specialist will be assigned to your project. Our team aims to close loans within 60-90 days.


Congrats – your loan has closed! Now comes the exciting part. Your hotel is finally starting to come to life. Your Live Oak construction specialist will coordinate all loan disbursements with your vendors to ensure the project stays on time and on budget. This allows you to focus on other aspects of your business and have confidence that your new hotel is making progress. This person will be by your side through every step of construction until completion.

We're ready when you are

Call 910.466.4531 to contact one of our hotel loan specialists.


Our team finances all kinds of hotel projects across the United States. We like to share those experiences in hopes that they will help you avoid costly missteps and be better prepared for financing.

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Live Oak invests in educational resources and tools that will help you improve your business and stay informed about your hotel construction loan options. View more case studies and other materials here.

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