Nationwide Hotel Financing

As a hotel owner, your mission is to graciously accommodate your guests. Live Oak Bank has the same philosophy when it comes to helping you build your hotel business. We offer extensive financing options in all 50 states, providing hotel loans for new construction, FF&E, PIP renovations, acquisitions, conversions and refinancing. Our Hotel Lending Team is led by hotel franchise development veteran Mike Muir. With over 25 years in the industry, he and his team have a deep understanding of your business.

Our industry knowledge, financing expertise and innovative technology combine to deliver unique financial solutions for our hotel borrowers. You can receive hotel loans with longer terms that helps you preserve cash flow. Our programs include working capital and all closing costs, as well as competitive fixed and variable rate options. Consider us your trusted financing partner.

We're ready when you are

New Construction

Build your hotel business through specialized ground-up construction lending. Live Oak partners with you from beginning to end because we know new construction projects can be stressful. Our Construction Loan Team works with your contractors, engineers and vendors to ensure that your project is completed on time and on budget.

Each dedicated Construction Relationship Officer collects all appropriate documentation, including contracts, construction plans and specifications, necessary insurance and a cost breakdown for the overall project. As your committed financial partner, we’re with you until guests start streaming through the doors of your brand new hotel—and throughout the life of your loan.

FF&E And PIP Renovations

Hotel renovations, whether upgrades of furniture, fixtures and equipment (FF&E) or execution of a franchisor’s property improvement plan (PIP), can be capital-intensive projects. However, they’re also critically important to maintaining the strength of your hotel and brand.

Because Live Oak understands the unique challenges and processes involved with these renovations, we’re able to provide funding with flexible equity requirements that better meets these specific needs. Our unique cash flow lending model means you keep more cash to invest in your business during the life of the loan. We’ve also streamlined the application process for loan amounts up to $350,000 with our digital lending platform, Live Oak Portal.

“Live Oak Bank provided a novel financing strategy for multiple projects. They delivered the capital necessary to build three hotel projects in one year—and at competitive rates.”
– Patrick McCaffrey, Principal, Lieben Group

Express Business Loans

We’ve made the qualification process easy and will get the funds to you fast—so you can get back to business. Our online loan application simplifies the process through funding, so you know what’s happening through every step.


We love complex deals. Our industry experts are focused on helping small business owners obtain financing, no matter what challenges you may have faced in the past. This consultative role brings a value-added perspective throughout our relationship.

Our Hotels Team

  • Jamie Bourgeois
    Senior Loan Officer

    Email Jamie | 910.375.5925

  • Morgan Sickles
    Senior Underwriter

    Email Morgan | 910.795.4973

  • Kirstin Mathews
    Loan Officer

    Email Kirstin | 910.796.1657

  • Claire Cronin
    Loan Officer

    Email Claire | 404.513.2347

  • Chandler Wrightenberry
    eLending Loan Officer

    Email Chandler | 910.363.2741