HOTELS & HOSPITALITY
Hotel and hospitality equipment financing
Hotel equipment financing for the parts of a property that keep rooms sold: guest-room FF&E, PTACs, the on-premises laundry, the fitness room, guest technology and the hotel kitchen. We finance hotels, motels and resorts for one department or a whole renovation, new or used, from any vendor or FF&E supplier, starting at $10,000.
What we finance
New or used, from any vendor, dealer, FF&E supplier or auction. Named categories are examples of what this covers, not a limit — if what you need is not on this list, ask. Opening or refitting a standalone restaurant? See restaurant equipment financing.
- Guest-room FF&E — case goods, seating, mattresses and soft goods
- PTACs, vertical units, mini-splits and rooftop HVAC
- On-premises laundry — washer-extractors, dryers, ironers and folders
- Fitness rooms — treadmills, bikes and strength equipment
- Guest technology — in-room TVs, Wi-Fi, door locks and key systems
- Property management systems and front-desk hardware
- POS, when bundled with the hotel equipment or $10,000 and up
- Hotel kitchens, breakfast and banquet equipment
- Ice machines, coffee and beverage stations, bar equipment
- Meeting-room AV, digital signage and lobby displays
- Housekeeping carts, floor care, pool and spa equipment
- Delivery, installation and EV charging stations
Why hotels lease it
01
A PIP arrives on the brand's schedule
Brand-mandated renovations do not wait for a good year. Financing the equipment and FF&E side of a PIP puts it on a payment the property carries out of occupancy instead of out of reserves.
02
Departments fail one at a time
The laundry goes, then the PTACs on one floor, then the ice machine. Financing each replacement keeps the reserve intact for the one that is not covered by anything.
03
Used equipment is normal here
Hospitality trades in good used equipment constantly. Auction and dealer-refurbished laundry, kitchen and fitness equipment finances the same way as new.
What sets the payment on hotel equipment
There is no single price, because four things set the monthly payment. To estimate one, take the dealer's quote total, installation included, and enter it in the equipment lease calculator for a range across 24 to 60 months. For a firm number, send the quote through the form below.
The whole project, not just the equipment
The furniture, units and machines, plus freight, installation and the soft costs that come with a renovation. In a room refresh the installation can be a large share of the total, and it can be financed with the equipment.
The term
Terms run from 24 to 60 months. A longer term lowers the payment; a shorter term costs more each month and less in total. Many properties match the term to the brand's renovation cycle.
The end-of-term option
A $1 buyout lease or an equipment finance agreement suits furniture and HVAC the property will keep. A fair market value lease has a lower payment and suits guest technology that will be replaced before it wears out.
The business applying
Time in business, credit history and the size of the transaction. Up to $150,000 is usually decided on a one-page application without financial statements.
Hotel equipment financing by department
Guest rooms and FF&E
Case goods, seating, mattresses, soft goods and the fixtures in a room refresh or a brand PIP, for a hotel, motel or resort. The installation and freight can go on the same agreement.
PTACs and HVAC
Replace PTACs a floor at a time or the whole building, along with rooftop units and mini-splits. See commercial HVAC financing.
On-premises laundry
Washer-extractors, dryers, flatwork ironers and folders sized for the property. See commercial laundry equipment leasing.
Fitness rooms
Treadmills, bikes and strength equipment for the guest gym, on their own or as part of a renovation. See gym equipment financing.
Guest technology and front desk
In-room TVs, Wi-Fi, door locks, the PMS and lobby signage. POS qualifies when it comes to $10,000 or more or is bundled with other hotel equipment. See network equipment leasing and POS financing.
Hotel kitchens, breakfast and bar
The kitchen, breakfast buffet and bar equipment inside a hotel, including ice machines, coffee and espresso equipment and refrigeration.
Hotel kitchen or standalone restaurant?
This page covers equipment for the hotel as a whole: rooms, laundry, fitness, guest technology and the kitchen that serves the property. If the hotel kitchen is part of a larger hotel order, it can go on the same agreement as everything else.
If you run, or are opening, a restaurant that stands on its own, the restaurant equipment financing page covers cooking lines, hoods, refrigeration and restaurant build-outs in detail. Either way the application, the terms and the $10,000 starting point are the same.
FREE QUOTE
Get a custom quote in minutes
Tell us what equipment you need — from any list above, or something that is not on one. An ACG specialist follows up, typically within 24 hours, with options built around your business.
Business equipment financing. $10,000 minimum. We do not finance personal or household purchases.
- — NO OBLIGATION, NO HARD CREDIT PULL
- — NEW OR USED, ANY VENDOR
- — OR CALL (949) 822-3017
Three steps to your equipment
01
Request a quote
Use the form above or call (949) 822-3017. No obligation and no hard credit pull to get a number.
02
Secure approval and sign
Most decisions come back the same day. Documents are signed online.
03
Order your equipment
We deal with the vendor directly — payment, inspection and delivery — so you can keep running the business.
Hotel and hospitality equipment financing questions
What does hotel equipment financing cover?
Equipment that stays with the property: guest-room furniture and FF and E, PTACs and HVAC, the on-premises laundry, the fitness room, guest technology such as TVs, Wi-Fi and door locks, the property management system, the hotel kitchen, and the installation that goes with them. Transactions start at $10,000.
How does hospitality equipment financing work?
Send the vendor's quote or a list of what the property needs. We return payment options for terms of 24 to 60 months, usually the same business day, and once the agreement is signed we pay the vendor directly. Up to $150,000 is usually decided on a one-page application without financial statements.
Can I finance FF and E for a hotel renovation or PIP?
Yes. The furniture, fixtures and equipment in a brand-mandated property improvement plan can be financed together with the PTACs, TVs, locks and installation that come with it, and it can be funded in stages as the work is delivered.
Do you finance PTAC units for hotels and motels?
Yes. PTACs, vertical units, mini-splits and rooftop HVAC can be replaced a floor at a time or across the whole property, with the installation on the same agreement.
Can a hotel finance its laundry or fitness room?
Yes. On-premises laundry equipment and fitness room equipment are financed the same way as guest-room furniture, on their own or on the same agreement as the rest of a renovation.
Do you finance used hotel equipment?
Yes. Used and refurbished hospitality equipment finances the same way as new, from a dealer, an auction or another property that is renovating.
Is POS included in hotel equipment financing?
Only as part of a larger package or a larger order. POS equipment is financed when it comes to $10,000 or more on its own, or when it is bundled with other hotel, restaurant or retail equipment. One or two terminals alone do not qualify.
Can the hotel kitchen go on the same lease as the rooms?
Yes. Kitchen, laundry, guest-room and front-desk equipment can be written into one agreement even when several vendors supply it.
Know what you need?
An application takes a few minutes and most decisions come back the same day. If you would rather see a payment first, the calculator gives you a range without asking for anything.