Southeast · Tennessee · Hotels & Hospitality · First lien
Hotel hard money loans in Chattanooga, TN.
First-position hotel loans in Chattanooga, Tennessee (TN) — 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.
Chattanooga market context
The Chattanooga economy behind the collateral.
Chattanooga has diversified from its manufacturing roots into logistics, insurance, and technology, aided by its position at the junction of major interstates and rail lines.
Common funding needs include industrial site development tied to auto supply chains and redevelopment of downtown commercial buildings.
Economic anchors
- Volkswagen Chattanooga assembly plant
- BlueCross BlueShield of Tennessee headquarters
- Tennessee Valley Railroad
- Chattanooga State Community College
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 Chattanooga.
- 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 Tennessee? Stokley also buys real estate as a principal. Submit it for acquisition.
Hard money lending guidelines
Asset-based financing. We focus on the property's value and the owner's equity, not a credit score. Low credit does not rule out a request. Every deal is subject to underwriting.
- 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
Chattanooga, TN hotel loan request.
Questions
Chattanooga, TN hotel loans, answered.
- Does Stokley Capital make hotel loans in Chattanooga, TN?
- Yes. We make first-position hotel hard money and bridge loans in Chattanooga, Tennessee (TN), typically $1M–$5M, with larger loans considered.
- What drives the Chattanooga market?
- Chattanooga has diversified from its manufacturing roots into logistics, insurance, and technology, aided by its position at the junction of major interstates and rail lines.
- What should a Chattanooga 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 Chattanooga?
Send the property, amount and deadline. A principal will respond directly.