Can seasonal hotels qualify for MCAs?

Yes, but timing and revenue patterns matter. Apply during or just after your peak season when bank statements show maximum revenue. Underwriters will evaluate your ability to maintain payments during slower periods.

How much can a hotel qualify for?

Hotels with strong occupancy can qualify for significant amounts — often $100,000-$750,000 depending on property size and revenue. Funding is typically based on 1-1.5x average monthly revenue.

Do OTA commissions (Booking.com, Expedia) affect my MCA?

OTA commissions reduce your net revenue, which underwriters consider. Direct bookings are preferred because they show higher net deposits. However, OTA revenue still counts toward your total volume.

Home/Industries/Hotels & Hospitality

72-85% Approval Rate

Hotels & Hospitality MCA Funding

Hotels, motels, and hospitality businesses generate substantial daily revenue through room bookings and ancillary services. High credit card processing volumes make them strong MCA candidates, though seasonal factors are carefully evaluated.

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72-85%

Approval Rate

$25,000 - $750,000

Typical Funding

1.20-1.42

Factor Rate

Medium Risk

Risk Level

What Underwriters Look For

Consistent room occupancy rates and booking revenue

High daily credit card transaction volume

Revenue from ancillary services (restaurant, events, spa)

Property condition and management quality

Seasonal patterns and year-over-year growth

Common Red Flags

Declining occupancy rates or average daily rates

Heavy dependence on seasonal tourism without off-season revenue

Deferred maintenance or property condition issues

Negative online reviews impacting bookings

Tips to Improve Your Qualification

Show consistent booking revenue across seasons

Highlight ancillary revenue from restaurants, events, or meeting spaces

Demonstrate strong online ratings and review management

Provide occupancy rate data showing stability or growth

Apply during peak season when bank statements are strongest

Industry Insight: Hotels & Hospitality

Hotels and hospitality businesses can access significant MCA funding due to their high daily credit card processing volumes. A single night's room charge can range from $80 to $500+, and with multiple rooms and ancillary services, hotels generate substantial daily revenue that's almost entirely card-based.

The main underwriting concern for hotels is seasonal volatility. A beachfront hotel might see 95% occupancy in summer and 30% in winter. Underwriters evaluate whether off-season revenue covers basic operations and MCA repayment. Hotels with year-round demand drivers (business travel, events, conferences) or diversified revenue streams (restaurant, spa, event space) present the strongest applications.

Frequently Asked Questions

Check Your Hotels & Hospitality Qualification

Upload your bank statements anonymously and get an instant underwriter-grade analysis. See exactly how your hotels & hospitality business file looks — no credit pull, no broker, no one contacts you.

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