Southeast · Hotels & Hospitality · First lien
Hotel hard money loans in Kentucky.
First-position hotel loans across Kentucky — typically $1M–$5M, larger considered — for acquisitions, maturities, bridge and value-add plans. Reviewed and decided directly by the principals.
Stokley Intelligence · Updated September 2026
Hotel Market Outlook 2026: RevPAR & Debt
A structured view of the developments shaping U.S. hotels—and the situations those developments may create for owners, lenders and investors.
Kentucky market context
The economy behind the collateral.
Kentucky's central location has made it a national air cargo and logistics hub, led by Louisville's UPS Worldport, while horse-racing tourism, bourbon production, and automotive manufacturing round out the state's economic base.
- Air cargo and logistics
- Automotive manufacturing
- Bourbon and food production
- Healthcare
- Equine and tourism
Hotels & Hospitality underwriting
What we look at first.
- Trailing twelve-month RevPAR, occupancy and ADR
- Franchise status, PIP obligations and brand relationship
- Management company and labor model
- Demand generators and the local supply pipeline
- Capital plan and remaining FF&E life
Situations
Hotel loans we see in Kentucky.
- Property improvement plans (PIPs) a bank will not fund
- Maturities on hotels still recovering to prior performance
- Change of flag or conversion to independent
- Acquisitions from motivated or lender-driven sellers
Selling a hotel property in Kentucky? Stokley also buys real estate as a principal. Submit it for acquisition.
Kentucky metros
Local lending pages.
We lend across Kentucky, not only in these metros. Each page covers the local economy and a direct request form.
Hard money lending guidelines
- Annual rate
- From 11.5%
- Origination
- From 2% of the loan amount
- Term
- 6 to 12 months
- Payments
- Interest only
- Loan-to-value
- Up to 70%
- Lien position
- First position only
Third party closing costs are separate.
Every term sheet is different. Every deal goes through underwriting and has specific terms. These are guidelines, not a commitment to lend.
Request loan terms
Kentucky hotel loan request.
Questions
Kentucky hotel loans, answered.
- Does Stokley Capital make hotel loans in Kentucky?
- Yes. We make first-position hotel hard money and bridge loans throughout Kentucky, including Louisville, Lexington, Bowling Green and smaller markets.
- How large are your Kentucky hotel loans?
- Typically $1M–$5M, first lien. Larger loans are considered.
- What should a Kentucky hotel loan request include?
- Property address, loan amount and purpose, current income and occupancy, existing debt, the business plan and the deadline. Rent rolls and operating statements help but are not needed for a first read.
- Are you a broker?
- No. Stokley Capital is a private real estate owner-operator that provides business-purpose loans. Decisions are made by the principals.
Nothing on this website is an offer to lend or a commitment of capital. All loans are subject to underwriting, due diligence, documentation and approval. Published lending guidelines are for general guidance only. Every deal goes through underwriting and has specific terms.
Next step
Financing hotel in Kentucky?
Send the property, amount and deadline. A principal will respond directly.