Business Line of Credit
For a business whose year is not twelve equal months: draw through the off-season and the deposit months, repay from the peak, repeat.
See Business Line of CreditWhat's your case?
Which funding fits your property right now?
What it means for your cashThe off-season overhead comes due whether or not there are guests.
Business Line of Credit
Draw through the quiet months and repay from the peak, instead of holding a reserve that earns nothing all year.
- Range
- $10,000 – $500,000
- Term
- revolving
What it means for your cashDeposits leave the account months before the trip runs.
Business Line of Credit
One draw covers the deposits and is repaid as the final payments land, season after season.
- Range
- $10,000 – $500,000
- Term
- revolving
What it means for your cashEither a planned refresh or a failure that takes rooms offline in your busiest weeks.
Collateral & Asset Loans
The asset secures the loan and the term follows its service life, so a boiler is spread over years and a short-lived unit over fewer.
- Range
- $10,000 – $1,000,000
- Term
- 12 – 60 months
What it means for your cashThe money is booked and paid; the settlement has not landed.
Merchant Cash Advance
For a short, urgent gap only: it costs more than a line of credit, and the off-season is when that costs the most.
- Range
- $5,000 – $5,000,000
- Term
- 3 – 18 months
What it means for your cashThe spend lands in one closed season; the extra room nights pay it back over years.
Business Term Loan
One fixed monthly payment over a defined term, sized to the occupancy the rooms should add.
- Range
- $10,000 – $5,000,000
- Term
- 6 – 60 months
What it means for your cashThe stay happened last month; the payment is on their cycle.
Invoice Factoring Tool
Turns the business invoice into cash now, with approval leaning on the account's credit rather than yours.
- Range
- $10,000 – $3,000,000
- Term
- ongoing facility
What it means for your cashStacked payments take a slice of the season you were counting on.
Consolidation of Positions
Pays off the positions you have and rolls them into one payment sized to your deposits.
- Range
- $10,000 – $2,000,000
- Term
- 6 – 36 months
Products
Three ways to fund a property
Collateral & Asset Loans
For FF&E, kitchen equipment, shuttles and HVAC. The asset secures the loan, and the term is set against the seasons it will serve.
See Collateral & Asset LoansMerchant Cash Advance
For a card-heavy property facing a short, urgent gap. Repayment follows sales, but it costs more than a line of credit — the off-season is the worst time to carry it, so use it sparingly and briefly.
See Merchant Cash AdvanceFrom the blog
FAQ
Hospitality funding questions
Off-season overhead, supplier and block deposits, room refreshes and FF&E, equipment repairs, a renovation or added rooms. Falcon does not restrict the use of proceeds to one category.
Yes. Underwriters read deposits over time, so expect them to see the pattern: a strong peak and a quiet winter is normal in this sector. Explain the season up front rather than letting a quiet month read as a decline.
Furniture, fixtures and equipment: beds, linens, seating, kitchen equipment and in-room technology. With a vendor quote these sit inside Collateral & Asset Loans, on a term matched to how long the items stay in service.
Yes, when the build cost is a number you already have. That is a term loan: one fixed payment over a defined term, sized to the room nights the work should add, rather than a draw you repay as sales come in.
Be careful. It is fast, but it costs more than a line of credit, and the off-season is when margins are thinnest and repayment takes the largest share of a small month's sales.
The products run from $5,000 to $5,000,000 depending on which one you use: a line of credit up to $500,000, an asset loan to $1,000,000, and an advance to $5,000,000. The final number depends on deposits, time in business and, for a term loan, credit.
Falcon charges a 0% agreement fee. For a sales-linked product, the total amount and the percentage of sales that goes toward it are both spelled out on the agreement before you sign. No specific rate is published here, because it depends on your file.
Six months of business bank statements, a photo ID, a voided check, a list of any current advances or loans, and a quote or invoice for equipment or FF&E.