Hospitality Lending

The national leader in hotel lending

Hospitality Lending

For over 30 years, hoteliers have turned to State Bank of Texas for their lending needs. Why? Because State Bank of Texas was founded by active hotel owners and investors—bankers who understand the specific lending needs of the industry. State Bank of Texas is simply the best lender you can select, with demonstrated knowledge and experience to help make your property a reality.


Talk to decision makers

At SBT, we do not have a long red-tape process for loan approvals. You talk to hoteliers and to decision makers. We listen, and we are upfront about what we can and cannot do.

Fast approvals

We move fast. Having a lending partner on board can make all the difference in a deal. We know that. It can make the difference in the owner putting a hard deposit on a contract with a quick time fuse for closing, or in giving a seller confidence in your ability to close. At SBT, we pride ourselves on getting loan decisions made in as fast as 24 hours.

Reliable and timely closings

We have faced many difficult lending situations in our 30+ years of making hotel loans. We pride ourselves on being able to do what other banks cannot get done. Due to our experience in the industry, we have a very unique lending perspective that allows us to close deals in tight timeframes that other lenders simply cannot match.


We can provide loans for hotel properties in all 50 states. The leadership of our bank—founder and board chair Chan Patel and his two sons, Sushil Patel and Rajan Patel—have the expertise to assist with your new construction, acquisition, and renovation funding.

Loan amounts

Loan amounts can vary from $100,000 to $25 million. Loan amounts over $25 million can be available through participation with other banking institutions.

Interest rates

We provide floating rate loans that are determined by the prevailing interest rates.


Terms range from one (1) year to 25 years with balloon payments.

Types of loans

We provide loans for first mortgages, second mortgages, construction, renovation, acquisition, as well as SBA 504 and 7A loans.

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