Hilton Garden Inn Franchise Loan: The Complete Financing Guide for Hilton Garden Inn Franchise Owners

The Hilton Garden Inn brand represents a premier opportunity in the upper-midscale hotel sector, known for its consistent quality, strong brand recognition, and appeal to both business and leisure travelers. Securing the right financing is the most critical step in turning this franchise opportunity into a successful, profitable reality, given the significant capital investment required for hotel development.

Hilton Garden Inn Franchise: Investment Overview

Investing in a Hilton Garden Inn is a significant undertaking, far exceeding the capital requirements of a typical quick-service restaurant or retail franchise. This is a multi-million-dollar project that involves real estate acquisition, ground-up construction or major property conversion, and extensive FF&E (Furniture, Fixtures, and Equipment) procurement. Understanding the complete financial picture is the first step toward building a viable financing strategy.

Initial Investment and Franchise Fees

The total investment to develop a Hilton Garden Inn is substantial and varies widely based on location, land costs, labor markets, and whether you are building new or converting an existing property. Hilton provides a range of estimated costs in its Franchise Disclosure Document (FDD), which is the primary source for detailed financial information.

• Initial Franchise Fee: The upfront fee paid to Hilton for the right to use the brand name, systems, and support is approximately $85,000. This fee is non-refundable and due upon signing the franchise agreement.
• Total Estimated Initial Investment: The all-in cost for a newly constructed 100-150 room Hilton Garden Inn typically ranges from $20 million to $75 million or more. This broad range covers every conceivable expense from pre-opening to three months of operating reserves.

Breakdown of Key Investment Costs

The total investment is comprised of numerous line items. Here are the most significant cost centers you will need to finance:

• Real Estate and Site Work: This is often the largest variable. It includes the purchase price of the land, zoning and permit fees, environmental studies, and site preparation (grading, utilities, etc.). Costs in a major urban center will be exponentially higher than in a suburban or tertiary market.
• Construction Costs: This includes all hard costs for building the hotel structure from the ground up, including materials and labor. Hotel construction is specialized and must adhere to Hilton's stringent brand standards and local building codes.
• Furniture, Fixtures, and Equipment (FF&E): This category covers everything inside the hotel: beds, linens, televisions, case goods, lobby furniture, kitchen equipment for the restaurant/bar, laundry facilities, and property management systems (PMS). Hilton maintains a list of approved vendors and specific product requirements to ensure brand consistency.
• Soft Costs: These are indirect project costs, including architectural and engineering fees, interior design fees, legal and accounting expenses, construction loan interest, and insurance.
• Pre-Opening and Working Capital: You'll need significant capital reserves for expenses incurred before you open your doors. This includes staff hiring and training, initial inventory for the restaurant and market, sales and marketing launch campaigns, and utility deposits. Hilton requires you to have at least three months of operating reserves to cover expenses after opening.

Ongoing Fees and Royalties

Beyond the initial investment, franchisees are responsible for ongoing fees that support the Hilton brand and its global systems. These are typically calculated as a percentage of the hotel's revenue.

• Royalty Fee: A recurring fee of 5.5% of Gross Rooms Revenue. This is the primary fee for using the Hilton brand, reservation system, and loyalty program (Hilton Honors).
• Marketing/Advertising Fee: A fee of 4% of Gross Rooms Revenue. This contributes to Hilton's national and global advertising campaigns, marketing initiatives, and public relations efforts that drive guests to all Hilton properties.
• Other Fees: Additional fees may apply for technology systems, the Hilton Honors loyalty program, and other centralized services.

Financing Options for Hilton Garden Inn Franchise Owners

Financing a multi-million-dollar hotel project requires a sophisticated approach. Unlike smaller franchises, you will likely need a combination of financing products to cover the entire scope of the investment. A knowledgeable financial partner like Crestmont Capital can help you navigate these options and structure the optimal capital stack for your project.

Conventional Commercial Real Estate Loans

Conventional loans from traditional banks, credit unions, or commercial lenders are a primary source of funding for hotel construction and acquisition. These loans are ideal for well-qualified borrowers with strong financials and hospitality experience.

• Use of Funds: Primarily for real estate acquisition and construction. A separate loan may be needed for FF&E and working capital.
• Loan-to-Cost (LTC): Typically, lenders will finance 60-75% of the total project cost. This means you will need to provide a significant equity injection (down payment) of 25-40%.
• Terms: Construction loans are short-term (18-36 months) and interest-only. Once the hotel is built and stabilized (achieving consistent occupancy and revenue), the construction loan is typically refinanced into a long-term (20-25 year amortization) permanent mortgage.
• Pros: Potentially lower interest rates for highly qualified borrowers, more flexible terms can be negotiated.
• Cons: Strictest underwriting requirements, high down payment, may be difficult to secure for first-time hotel owners.

SBA Loans (7a and 504)

The U.S. Small Business Administration (SBA) offers government-guaranteed loan programs that are exceptionally well-suited for hotel franchising. Because the government guarantees a portion of the loan, lenders are more willing to offer favorable terms, including higher leverage (lower down payments) and longer repayment periods. We will explore these in greater detail in the next section.

• Use of Funds: Real estate, construction, FF&E, working capital, and even refinancing existing business debt.
• Loan-to-Cost (LTC): Can go up to 85-90%, significantly reducing the required cash injection from the borrower.
• Pros: Lower down payment, long repayment terms (up to 25 years), and competitive interest rates.
• Cons: More extensive paperwork, longer application process, and adherence to SBA size standards and eligibility rules.

Equipment Financing

While a large construction loan will cover the building, you may opt for a separate equipment financing agreement or lease for the FF&E. This can be a strategic way to preserve working capital.

• Use of Funds: Specifically for purchasing furniture, kitchen equipment, laundry systems, IT infrastructure, and other tangible assets.
• How it Works: The equipment itself serves as the collateral for the loan. This can result in a streamlined application process compared to a real estate loan.
• Terms: Typically 3-7 years, matching the useful life of the equipment.
• Pros: Can offer 100% financing for the equipment, frees up cash for other needs, may have tax advantages (consult your accountant).
• Cons: Adds another layer of debt to manage, interest rates may be slightly higher than an all-in-one real estate loan.

Bridge Loans and Mezzanine Financing

For complex projects or those with a gap in the capital stack, more specialized financing may be necessary.

• Bridge Loans: These are short-term loans used to "bridge" a gap, such as acquiring land quickly while you finalize your long-term construction financing. They are typically faster to close but come with higher interest rates.
• Mezzanine Financing: This is a hybrid form of debt and equity financing. It is subordinate to the senior debt (the main bank loan) and is often used to reduce the required cash equity from the developer. It's a more expensive form of capital but can be essential for making a large project viable.

Business Line of Credit

Once your hotel is operational, a business line of credit is an invaluable tool for managing cash flow. It's not used for the initial construction but is crucial for ongoing operational needs.

• Use of Funds: Managing seasonal dips in revenue, covering unexpected repairs, funding small renovations, or taking advantage of bulk purchasing opportunities.
• How it Works: A revolving credit line that you can draw from and repay as needed, only paying interest on the amount you use.

SBA Loans for Hilton Garden Inn Franchises

For a project of the scale of a Hilton Garden Inn, SBA loans are often the most advantageous financing route. The government guarantee encourages lenders to provide terms that are difficult to find in the conventional market. The Hilton Garden Inn brand is listed on the SBA Franchise Directory, which streamlines the eligibility process for franchisees.

The SBA 504 Loan Program

The SBA 504 loan is specifically designed for acquiring major fixed assets, such as real estate and long-term equipment, making it a perfect fit for hotel construction.

The 504 loan structure is unique, involving three parties:

1. A Senior Lender (Bank or Credit Union): This institution provides the primary loan, covering up to 50% of the total project cost. They hold the first lien position on the assets.
2. A Certified Development Company (CDC): A non-profit entity certified by the SBA, which provides the SBA-guaranteed portion of the loan, covering up to 40% of the project cost (up to a maximum of $5 million, or $5.5 million for certain manufacturing or energy-efficient projects). They hold the second lien position.
3. The Borrower (You): You provide the equity injection, which is typically just 10% of the total project cost. For a special-purpose property like a hotel, the equity requirement is usually 15%.

Example SBA 504 Structure for a $25 Million Hotel Project:

• Senior Bank Loan (50%): $12.5 million
• CDC/SBA Loan (35%): $8.75 million (Note: this exceeds the $5M cap, so the structure would be adjusted, with the bank taking a larger share or the borrower injecting more equity. This is where a skilled finance partner is crucial).
• Borrower Equity (15%): $3.75 million

This structure significantly reduces the cash you need to bring to the table compared to a conventional loan that might require a $6.25 million (25%) down payment.

Benefits of the SBA 504 Loan:

• Low Down Payment: The 15% equity requirement for a hotel is a major advantage.
• Long Repayment Terms: The SBA portion of the loan has a fixed interest rate and a term of 20 or 25 years, providing long-term stability for your mortgage payment.
• Fixed, Below-Market Interest Rates: The interest rate on the CDC/SBA portion is tied to U.S. Treasury bonds and is typically very competitive.

The SBA 7(a) Loan Program

The SBA 7(a) loan is the SBA's most popular and flexible loan program. While the 504 is focused on fixed assets, the 7(a) can be used for a wider range of business purposes, including working capital.

• Maximum Loan Amount: Up to $5 million. For a Hilton Garden Inn project, a 7(a) loan is often used in conjunction with other financing or for smaller-scale conversion projects.
• Use of Funds: Can be used for real estate, construction, FF&E, working capital, inventory, and even refinancing debt. This flexibility is a key advantage.
• Terms: Up to 25 years for real estate, up to 10 years for equipment and working capital.
• Interest Rates: Rates can be variable or fixed and are capped by the SBA. They are typically a "prime plus" rate.

For a Hilton Garden Inn, an SBA 7(a) loan could be ideal for financing the business portion of the investment, including working capital and FF&E, while a conventional loan covers the real estate. A skilled financing advisor can help determine if a 7(a), 504, or a combination is the best fit for your specific project. You can check franchise eligibility directly on the SBA.gov website's franchise directory.

How to Finance Your Hilton Garden Inn Franchise Step by Step

Securing tens of millions of dollars in financing is a meticulous process that requires thorough preparation and expert guidance. Following a structured, step-by-step approach will dramatically increase your chances of success.

Step 1: Develop a Comprehensive Business Plan

Your business plan is the foundational document for your loan application. It must be professional, detailed, and data-driven. It's not just a formality; it's your roadmap that convinces lenders you are a capable operator with a viable project.

Your hotel business plan must include:

• Executive Summary: A concise overview of your project, the loan request, and why it will be successful.
• Company Description: Details about your ownership structure, management team, and legal entity.
• Market Analysis: In-depth research on the local hotel market. This should include a feasibility study from a reputable hospitality consulting firm. It needs to cover local demand generators (airports, convention centers, universities, corporate headquarters), competitive landscape (including their rates and occupancy), and projected RevPAR (Revenue Per Available Room).
• Management Plan: Biographies of your key management personnel, highlighting their direct hospitality and operational experience. If you plan to hire a third-party management company, include their track record and credentials.
• Franchise Information: Details about the Hilton Garden Inn brand, why you chose it, and confirmation that you have been approved as a franchisee by Hilton.
• Financial Projections: This is the most scrutinized section. You need detailed, multi-year financial projections (pro forma) including a profit and loss statement, cash flow statement, and balance sheet. These should be based on the market analysis and Hilton's brand performance data.

Step 2: Assemble Your Financial Documentation

Lenders will conduct a deep dive into the financial health of both the project and the principals (the owners). Be prepared to provide a complete package of documents.

• Personal Financial Statements for all owners with 20% or more equity.
• 3 Years of Personal and Business Tax Returns for all principals and any existing businesses you own.
• Project Budget: A detailed, line-item budget for the entire project, including hard costs, soft costs, FF&E, and a contingency fund (typically 5-10% of total costs).
• Proof of Equity Injection: Bank statements, brokerage statements, or other documents showing you have the liquid capital for the required down payment.
• Franchise Agreement and FDD from Hilton.
• Construction Plans, Bids, and Timelines from your general contractor.
• Real Estate Purchase Agreement or land lease.

Step 3: Choose the Right Lender

Not all banks are created equal when it comes to hotel financing. Many lenders do not have the expertise or risk tolerance for multi-million-dollar hospitality projects. It is critical to work with a lender that has a dedicated hospitality financing division or a proven track record with SBA 504 hotel loans.

This is where partnering with a financial services company like Crestmont Capital becomes invaluable. We have an extensive network of preferred lenders who specialize in franchise and hotel financing. We can match your project with the right institution, saving you countless hours and preventing rejections from lenders who are not a good fit.

Step 4: The Underwriting and Approval Process

Once you submit your complete loan package, the lender's underwriting team will begin its due diligence. This is an intensive process that can take 60-120 days or more.

• Credit Analysis: The underwriter will analyze your personal and business credit history, financial statements, and projections.
• Project Appraisal: The lender will order a third-party appraisal of the proposed hotel. The appraiser will determine the "as-completed" value of the property, which is a critical factor in the loan approval. The loan amount cannot exceed the appraised value.
• Due Diligence: The lender will review all contracts, permits, franchise agreements, and the market feasibility study.
• Loan Committee: The final loan request is presented to the bank's loan committee for approval.

Upon approval, you will receive a commitment letter outlining the terms and conditions of the loan. After you accept and sign this letter, the process moves to closing.

Step 5: Closing and Funding

The closing process involves signing all the final legal loan documents with attorneys. For a construction loan, the funds are not disbursed as a lump sum. Instead, they are paid out in "draws" at various stages of construction, as work is completed and verified by an inspector.

Qualification Requirements

Lenders evaluate hotel loan applications based on what is often called the "Five C's of Credit": Character, Capacity, Capital, Collateral, and Conditions. For a Hilton Garden Inn project, the standards are exceptionally high.

1. Strong Personal Credit

Lenders will look at the personal credit scores of all major principals. While requirements vary, you will generally need a personal credit score of 700 or higher to be considered a strong candidate. A clean credit history with no recent bankruptcies, foreclosures, or major delinquencies is essential.

2. Significant Liquidity and Net Worth

This is one of the most important factors for a large-scale project. Lenders need to see that you have substantial financial resources.

• Liquidity (Post-Closing): After injecting your required equity and paying all closing costs, lenders will want to see that you still have significant liquid assets (cash, stocks, bonds) remaining. This post-closing liquidity acts as a safety net and demonstrates your financial strength. For a multi-million dollar loan, this could mean having $500,000 to $1 million or more in liquidity after closing.
• Net Worth: Your total net worth (assets minus liabilities) should ideally be equal to or greater than the total loan amount you are requesting.

3. Direct Hospitality Industry Experience

Lenders are financing not just a building, but an operating business. They heavily favor borrowers who have direct, successful experience in the hospitality industry. This could be:

• Previous ownership of one or more hotels (branded or independent).
• Extensive experience in a senior hotel management role (e.g., General Manager, Director of Operations).

If the primary owners lack direct hotel experience, it is almost always a requirement to hire a professional, third-party hotel management company with a strong track record of operating similar properties. The lender will need to approve this management company as part of the loan.

4. Sufficient Equity Injection (Capital)

As discussed, you must have the cash available for the required down payment. You cannot borrow the down payment. Lenders will verify the source of these funds to ensure they are not from another loan.

• Conventional Loan: Expect to inject 25-40% of the total project cost.
• SBA 504 Loan: Expect to inject 15% of the total project cost for a hotel.

5. A Viable Project and Strong Business Plan (Collateral and Conditions)

The hotel itself serves as the primary collateral. The lender must be convinced that the project is viable and will generate enough cash flow to easily service the debt. This is why the third-party feasibility study, market analysis, and detailed financial projections are so critical. The "Conditions" refer to the market itself - a project in a growing market with strong demand generators is far more attractive than one in a declining or saturated market.

How Crestmont Capital Helps Hilton Garden Inn Franchise Owners

Navigating the world of high-dollar commercial financing is a full-time job. As a prospective Hilton Garden Inn owner, your focus should be on development, operations, and building your business. Crestmont Capital, founded in 2015 and rated the #1 business lender in the U.S., acts as your dedicated financing partner, managing the complexities of the loan process so you can focus on what you do best.

Expertise in Franchise and Hospitality Financing

We live and breathe business financing. Our team has specific expertise in the nuances of both franchise lending and the hospitality sector. We understand what lenders look for in a hotel deal, from the importance of a strong feasibility study to the intricacies of structuring an SBA 504 loan for a special-purpose property. This specialized knowledge is a significant advantage over approaching a local bank that may only process one or two hotel loans a year. We've helped countless entrepreneurs secure franchise business loans and understand the unique relationship between franchisee and franchisor.

Access to a Vast Lender Network

Crestmont Capital is not a single bank; we are a financial services provider with a nationwide network of hundreds of lenders. This network includes large national banks, community banks, credit unions, and non-bank lenders who specialize in SBA and conventional hotel loans. This access allows us to create a competitive environment for your loan, ensuring you receive the best possible terms, rates, and structure. We know which lenders are actively seeking to fund hotel projects in your specific geographic market.

A Streamlined, Efficient Process

We act as your single point of contact throughout the entire process. Instead of you having to complete dozens of different applications for different banks, you'll work with one dedicated Crestmont Capital advisor. We help you prepare a single, comprehensive loan package that we know meets the stringent requirements of top-tier lenders. We then present your package to the most appropriate lenders in our network, manage communications, and help you compare and negotiate offers.

Structuring the Optimal Capital Stack

A Hilton Garden Inn project often requires more than just one loan. It needs a "capital stack" that might include senior debt, an SBA 504 loan, equipment financing, and your equity. Our expertise lies in structuring this stack in the most efficient way possible. We analyze your project and financial situation to determine the right blend of financing to minimize your cash outlay, lower your blended interest rate, and maximize your return on investment.

Whether you need small business loans for pre-development costs or a multi-million dollar construction facility, we have the solutions. For urgent needs, we can even explore options for fast business loans to bridge immediate gaps.

Real-World Financing Scenarios

To better understand how financing comes together, let's explore two common hypothetical scenarios for a Hilton Garden Inn project.

Scenario 1: New Construction of a 125-Key Hotel

An experienced hotel operator group identifies a prime location near a growing corporate park and a university. They plan to build a new 125-key Hilton Garden Inn.

• Total Project Cost: $30,000,000
  • Land Acquisition: $4,000,000
  • Hard Construction Costs: $18,000,000
  • FF&E: $3,500,000
  • Soft Costs (A&E, Permits, Loan Fees): $2,500,000
  • Pre-Opening & Operating Reserves: $2,000,000

Financing Structure using an SBA 504 Loan:

• Borrower's Equity Injection (15%): $4,500,000
• Senior Bank Loan (50%): $15,000,000 (Typically a 2-year, interest-only construction loan that converts to a 25-year amortizing permanent loan, variable rate).
• CDC/SBA 504 Loan (35%, capped at $5M): $5,000,000 (A 25-year, fixed-rate loan).
• Financing Gap: $5,500,000 ($30M total - $4.5M equity - $15M bank - $5M SBA). This gap would need to be covered by the senior bank increasing its portion (to a total of $20.5M, or ~68% LTC), the borrower injecting more equity, or securing mezzanine financing. A skilled partner like Crestmont Capital would negotiate with the senior lender to cover this gap.

In this scenario, the SBA 504 loan allows the borrower to proceed with a $4.5 million down payment, whereas a conventional loan might have required $7.5 million (25%), a difference of $3 million in upfront cash.

Scenario 2: Conversion of an Existing Hotel

An investment group acquires an older, underperforming 150-key independent hotel in a strong market. Their plan is to completely renovate it and convert it to a Hilton Garden Inn.

• Total Project Cost: $22,000,000
  • Hotel Acquisition Price: $12,000,000
  • Property Improvement Plan (PIP) Renovation: $8,000,000
  • Closing Costs & Soft Costs: $1,000,000
  • Working Capital & Re-launch Marketing: $1,000,000

Financing Structure using a Conventional Loan:

The borrowers are a very strong group with a large portfolio of hotels and deep banking relationships. They opt for a conventional loan to move more quickly.

• Loan-to-Cost (LTC): The bank agrees to a 70% LTC.
• Total Loan Amount: $15,400,000 ($22M x 70%)
• Borrower's Equity Injection (30%): $6,600,000

The loan would be structured as a bridge/renovation loan for 24 months. During this period, the borrowers can draw funds to complete the PIP. Once the renovation is complete, the flag is changed to Hilton Garden Inn, and the hotel's operations stabilize at a higher revenue level, the bridge loan is refinanced into a new, long-term permanent mortgage based on the higher, "as-stabilized" appraised value of the property.

Frequently Asked Questions

You will typically need 15% to 30% of the total project cost in liquid cash. For a $25 million project, this means having between $3.75 million (with an SBA 504 loan) and $7.5 million (with a conventional loan) for the down payment, plus post-closing liquidity reserves of $500,000 or more.

No, 100% financing for a multi-million dollar hotel project is virtually non-existent. Lenders require a significant equity injection from the borrower to ensure you have "skin in the game" and are committed to the project's success.

A PIP is a Property Improvement Plan. It is a list of mandatory renovations and upgrades required by Hilton when you are converting an existing hotel to their brand. Yes, the cost of the PIP is considered part of the total project cost and can be included in your acquisition and renovation loan.

For a new construction project, the financing process from initial application to closing can take anywhere from 90 to 180 days. It is a complex process involving appraisals, environmental reports, and extensive underwriting. Working with an experienced partner can help streamline this timeline.

Yes, lenders will almost always require direct hospitality experience. If the ownership group lacks this experience, you will be required to hire a reputable, third-party hotel management company that is approved by both Hilton and the lender.

Both are critically important and non-negotiable. A poor credit score will likely result in an automatic denial, regardless of how good your business plan is. Conversely, a great credit score cannot make up for a poorly researched, unrealistic business plan for a flawed project.

Yes, both SBA 7(a) and 504 loans can be used for land acquisition, as long as it is part of an immediate construction project. You cannot use an SBA loan to buy and hold land for future development.

The primary collateral is the hotel real estate itself, including the land and the building. All business assets, including FF&E and revenues, will also be pledged as collateral. Additionally, all principals with 20% or more ownership will be required to provide a personal guarantee.

This depends on the interest rate environment and your risk tolerance. A fixed rate provides long-term stability and predictability for your payments, which is highly desirable for a long-term asset like a hotel. A variable rate may be lower initially but can increase over time. The SBA 504 program is popular because it offers a long-term, fixed-rate component.

A feasibility study is a comprehensive market analysis conducted by a third-party hospitality consulting firm. It assesses the viability of a proposed hotel project in a specific location. For any new construction hotel loan, lenders will absolutely require a professional feasibility study. It is a critical part of your loan package.

Yes, you can use funds from a retirement account, but it must be done correctly through a program called Rollovers as Business Start-ups (ROBS). This allows you to invest your retirement funds into your business without incurring taxes or early withdrawal penalties. It's a complex process that should be handled by a specialist.

Lenders are currently favoring well-established, resilient brands like Hilton Garden Inn. According to Forbes, the franchise industry continues to show strong growth, but lenders are more cautious, prioritizing experienced operators and strong cash flow projections. Technology integration and sustainability are also becoming key considerations.

No, like most major franchisors, Hilton does not provide direct financing to its franchisees. However, they maintain relationships with third-party lenders who specialize in their brands and may be able to provide introductions.

This is why lenders require a contingency fund (typically 5-10% of construction costs) to be built into the project budget from the start. If costs exceed the budget and contingency, you, the borrower, will be responsible for covering the shortfall with additional equity. The loan amount will not typically be increased mid-project.

Your local bank may not have a specialized hotel financing program or offer the most competitive terms. A dedicated partner like Crestmont Capital has access to a nationwide network of lenders who compete for your business. We package your loan professionally, identify the best lending partner for your specific project, and manage the process from start to finish, saving you time and increasing your chances of securing the best possible financing.

How to Get Started

You have the vision for a successful Hilton Garden Inn. Now it's time to build the financial foundation. Taking a structured approach will ensure you are prepared for the rigorous process ahead.

Conclusion

Owning a Hilton Garden Inn franchise is a rewarding and potentially lucrative venture, but it demands a significant capital investment and a well-executed financing strategy. The path to funding is complex, with stringent requirements for liquidity, experience, and planning. Whether you pursue a conventional commercial loan or leverage the powerful advantages of an SBA 504 loan, preparation is paramount.

By understanding the costs, assembling a comprehensive business plan, and meeting the high qualification standards, you can position yourself for success. Partnering with a financing expert like Crestmont Capital can be the decisive factor, providing the guidance, lender access, and strategic structuring needed to navigate the process efficiently. With the right financial foundation in place, you can turn your vision of owning a premier Hilton Garden Inn into a thriving reality.

Disclaimer: The information provided in this article is for general educational purposes only and is not financial, legal, or tax advice. Funding terms, qualifications, and product availability may vary and are subject to change without notice. Crestmont Capital does not guarantee approval, rates, or specific outcomes. For personalized information about your business funding options, contact our team directly.