Hospitality
Working capital for
hospitality.
Renovate rooms, upgrade tech and amenities, and bridge cash flow through shoulder seasons. Working capital up to $5M, structured around booking and deposit cadence.
- Up to $5M
- No hard credit check
- Same-day decisions
- All 50 states
Funding hospitality
How PIRS funds hospitality.
Hospitality is structurally seasonal. Peak weeks pay for the year, shoulder seasons stretch every dollar, and renovation windows have to thread the needle between bookings.
PIRS underwrites trailing revenue across the full year, not the slowest month, and structures repayment around your highest-volume seasons. Renovations, hires, and tech investments can be funded on a timeline that matches your booking calendar, not the bank's.
Renovate in the off-season, ride the peak. We fund the working-capital gap in between.
Common use cases
What hospitality operators actually use working capital for.
Drawn from real PIRS-funded files across the category.
Room remodels & lobby refreshes
Refresh guest rooms, lobbies, F&B spaces, and amenity areas during low-occupancy windows.
Bridging shoulder-season cash flow
Cover payroll, utilities, and lease while waiting for peak season to fund the year.
PMS, booking, and guest-tech upgrades
Modern property-management systems, channel managers, mobile keys, and guest-experience tech.
Hiring ahead of peak season
Onboard and train front-desk, housekeeping, and F&B staff before the rush arrives, not during it.
Direct-booking marketing pushes
Reduce OTA dependency with paid acquisition and corporate-account programs aimed at direct bookings.
F&B, events, and wellness programming
Add or refresh restaurant outlets, event spaces, spa programs, and wellness offerings without raiding operating cash.
Why PIRS
Why hospitality operators choose PIRS.
Underwriting tuned to how your category actually earns, not a generic credit box.
Built for seasonality
Trailing-revenue underwriting expects the off-season. Structures align with peak deposits, not flat monthly drafts.
Sized to booking cadence
Renovation windows have to fit between bookings, and funding timing matches.
Bank statements only
Most files approve without tax returns or P&L packages. Bank statements alone are usually enough.
Renewal-friendly for annual cycles
Hospitality runs on annual remodel and refresh cycles. We structure repeat capital aligned to that cadence.
A note on eligibility
A few sub-segments aren't eligible.
We say no up front. It saves everyone time.
- Casino and gambling operators are not eligible.
- Travel-agency-format businesses are not eligible.
Questions we hear most
Hospitality: what operators ask first.
Can a hotel or B&B use working capital for renovations?
How does PIRS handle hospitality seasonality?
Which hospitality categories are excluded?
Do you fund boutique hotels and B&Bs?
How fast can a hospitality operator get funded?
Adjacent verticals
Other industries we fund.
Many operators run businesses that straddle categories. Here are a few we underwrite alongside this one.
- BBB A+ Accredited
- Trustpilot
Working capital built for hospitality.
Apply in minutes for a soft offer with no hard credit check. A real person works your hospitality file from start to finish.