Over 30 years serving the hospitality industry with tailored debt placement, SBA lending, and capital solutions — from interstate motels to upscale hotel properties nationwide. Hospitality is our focus, but small business funding is our passion.
We give the same attention to all clients, no matter how large or small — tailoring every solution to the unique needs of each borrower.
From small highway properties to large upscale hotels, we match every debt request with the right capital funding source — quickly and accurately.
active lending relationships across SBA, USDA, conventional, and bridge sources — every deal matched to the right capital from day one.
Long-term, fixed-rate financing for major fixed assets — ideal for acquiring, renovating, or constructing properties. Low down payments and below-market rates make this the preferred structure for owner-operators.
The most versatile SBA structure — covering acquisitions, refinances, working capital, and business purchases. Up to $5M with long amortization and government-backed terms.
Traditional commercial real estate financing tailored to limited- and select-service properties. Competitive market-rate terms with swift execution for qualified sponsors.
Business & Industry guaranteed loans through the USDA — an often-overlooked funding source for rural properties with strong program benefits and high loan limits.
When timing matters, bridge financing keeps deals moving. Used for acquisitions, renovations, or repositioning — structured to transition seamlessly into permanent placement.
Ground-up and adaptive reuse construction financing structured around draw schedules, brand PIP requirements, and a clear long-term exit strategy.
HFS was built on hotels — and that will never change. But over 25 years of closing deals, something organic happened: the same SBA lenders, the same underwriting discipline, the same creative deal structure that works for a 60-room limited-service property works equally well for a gas station, a restaurant group, or a UPS Store franchise.
Clients started asking. Referrals came in from outside hospitality. We said yes — and realized we were just as good at it. Today, HFS brings the same tenacity, lender relationships, and no-nonsense approach that built our reputation in hotels to any owner-operated small business with real property.
We didn't pivot. We expanded. Hospitality is still our heartbeat — but small business funding is our passion.
Every deal is evaluated on its own merits. If a traditional lender has passed, there's a good chance we can find a path forward — across any of these asset classes.
Tell Us About Your DealScott is a 30-year veteran of commercial real estate with over 25 years specializing in hospitality finance, hotel valuation, tax appeal, and brokerage. He founded Hospitality Finance Solutions in January 2009, and the firm has become nationally recognized for its debt placement specialization in limited-service and select-service hospitality assets.
HFS has participated in finance panels at AAHOA, NAGGL, the Urban Land Institute, Choice Hotels Conference, and multiple U.S. Hotels Summits. The firm has completed transactions in more than 25 states, totaling more than $3 billion in closed loan volume.
Prior to founding HFS, Scott built an extensive background in commercial real estate lending and hospitality finance — earning over 27 industry performance awards and working with institutional capital sources, owner-operators, and franchise groups across the country. Over his career he has advised more than 10,000 clients nationally across hospitality and small business asset classes.
Scott holds a B.S. in Economics from the University of North Carolina at Chapel Hill and an M.B.A. from North Carolina State University.
Scott's commitment to delivering on promises is unwavering. His competitive nature drives him to work through problems proactively and efficiently — and I am proud to count him as a friend.
HFS closed a $6 million loan for me within 60 days. They have a transparent approach — laying all the cards on the table and offering the most competitive terms they can. A great resource for hotel financing.
When others fail us, HFS finds a way to help us succeed. Their speed, creativity, honesty, and ability to make deals happen will continue to bring us back to their group.
We have been working with HFS since 2001 because of their extensive experience in hospitality lending. From new construction to refinancing, they are always willing to look at a prospective deal and give honest insight.
Our projects are often non-traditional. HFS possesses the tenacity and determination to provide competitive terms in today's ever-changing financial environment.
Scott is thoroughly professional, extremely smart in picking deals that make sense, and structures loans to benefit the buyer. I have always financed my hotel acquisitions through him and truly recommend HFS to anyone.
Reach out directly — we're happy to evaluate your property, discuss deal structure, and connect you with the right capital source.