24–48 Hour Funding Decisions

Fast working capital for independent hotels — without the bank runaround.

Get a Merchant Cash Advance from $25,000 to $2,000,000. As a funding broker (ISO), Dracarys Finance shops your file across a nationwide network of hospitality funders — so your property gets the strongest offer, not just the first one.

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Funded independent hotels, motels & boutique inns nationwide

Soft credit check only to pre-qualify

Funds released in as little as 24 hours

A commercial finance broker — not a bank

Dracarys Finance is an Independent Sales Organization (ISO) / commercial finance broker. We are not a direct lender. We match hotel owners with third-party funding sources that offer Merchant Cash Advance and other revenue-based financing products.

The problem

Your hotel runs on seasons. Bank underwriting doesn't.

Independent hotel owners know the rhythm better than anyone: a strong summer that has to carry you through a slow winter, a PIP deadline your brand won't move, an HVAC unit that fails during your busiest week of the year. None of that waits for a 90-day bank underwriting cycle.

Traditional commercial banks weren't built for hospitality's cash flow. They want years of tax returns, real estate as collateral, and a credit committee that meets once a month — and even then, hotels are often flagged as a “high-risk” category that gets a flat no.

That's the gap a Merchant Cash Advance is built to close: funding decisions based on how your property is performing right now — not a five-year projection a loan officer has to defend to a committee.

MCA, explained

What a Merchant Cash Advance actually is

A Merchant Cash Advance (MCA) is not a bank loan. It's a purchase of a portion of your hotel's future credit card and debit card sales, delivered today as a lump sum of working capital. Repayment moves as a fixed percentage of your daily card sales — so a slow week costs you less, and a peak week pays it down faster. For a business as seasonal as hospitality, that's the whole point.

	Merchant Cash Advance	Traditional bank loan
Approval time	24–48 hours	Weeks to months
Real estate lien	Typically not required	Usually required
Credit score	Considered, not the deciding factor	Primary underwriting driver
Repayment	Flexes with your card sales / revenue	Fixed monthly payment
Paperwork	A few months of statements	Years of tax returns & appraisals
Best for	Seasonal, fast-moving capital needs	Long-term capital projects

Why independent hotels choose us

We're brokers, not a bank — and that's the advantage.

Dracarys Finance is a commercial finance broker and Independent Sales Organization (ISO). We don't fund deals ourselves — we take your hotel's file and shop it across a network of MCA and revenue-based funding partners who specialize in hospitality, then bring back competing offers.

Real competition on your deal

Multiple hospitality-focused funders bid on your file instead of one bank's take-it-or-leave-it rate.

Hospitality-specific underwriting

Our partners understand seasonality, ADR, occupancy swings, and PIP cycles — not a retail storefront model.

No real estate collateral required

Most MCA structures we place are unsecured against your property — your real estate stays out of it.

Credit-flexible

We look at card processing volume, deposits, and occupancy trends — not just a personal FICO score.

Speed that matches hospitality's pace

Pre-qualify in minutes, get offers in 24–48 hours — fast enough to matter for a PIP deadline.

One advisor, many funding sources

A dedicated advisor who knows the hotel space, backed by a marketplace of funders.

How it works

From application to funded — in days, not months.

No. 01

Apply in minutes

Share your last 4–6 months of business bank and/or merchant processing statements. No lengthy business plan required.

No. 02

We shop your file

As your broker, we submit your numbers to our network of hospitality-focused funding partners.

No. 03

Compare real offers

Advance amount, factor rate, holdback percentage, term — explained in plain English before you sign anything.

No. 04

Get funded

Sign with the funding partner you choose and receive funds by ACH — often within 24 hours of approval.

Use of funds

Built for the way hotels actually spend capital.

PIP compliance & renovations

Meet brand-mandated Property Improvement Plan deadlines without draining reserves.

Seasonal working capital

Bridge payroll, utilities, and vendor payments through your off-season.

FF&E replacement

Beds, linens, furniture, and guest-room equipment.

Emergency repairs

HVAC, roofing, plumbing, elevators, pool systems.

Staffing & payroll ramp-up

Hire and train ahead of your peak season.

Marketing & OTA presence

Fund prepay campaigns, channel management, and direct-booking pushes.

Refinancing existing MCA debt

Consolidate or restructure an existing advance into better terms.

Growth capital

Buy out a partner, acquire a second property, or open a new location.

Eligibility

Built for independently owned and operated hotels.

We work with independent hotels, motels, inns, and boutique properties across the country. Typical criteria our funding partners look for:

Independently owned and/or operated hospitality property
At least 6 months in operation under current ownership
Minimum $10,000+ in monthly gross card and/or bank deposits
Active U.S. business bank account
All credit profiles considered — no minimum FICO to pre-qualify

At a glance

$25K–$2MFunding range

24–48hTime to offer

6 moStatements needed

0Real estate liens required*

*For most MCA structures we place. Confirmed at offer.

Check My Eligibility

Front desk FAQ

Questions, answered plainly.

Is a Merchant Cash Advance a loan?+

No. An MCA is a commercial transaction in which a funding company purchases a portion of your hotel's future receivables (typically credit card/debit card sales) at a discount, in exchange for an upfront lump sum. It is not a conventional term loan, and it is not consumer credit.

Are you the lender?+

Dracarys Finance is a commercial finance broker / Independent Sales Organization (ISO). We do not fund advances ourselves. We match your hotel with third-party funding companies and present the offers they extend; the funding agreement is between you and the funding partner you choose.

How fast can my hotel get funded?+

Most applicants receive offers within 24–48 hours of submitting statements, with funds released by ACH shortly after signing — often the same or next business day.

Will applying hurt my credit?+

Pre-qualification typically uses a soft credit inquiry, which does not affect your personal credit score. A hard inquiry, if any, only occurs later and only with your authorization.

Do I need to put up my hotel as collateral?+

Most Merchant Cash Advance structures we place do not require a lien on real estate. Specific collateral requirements, if any, are set by the funding partner and disclosed before you sign.

Can I qualify during my slow season?+

Yes. Our funding partners evaluate trailing revenue and seasonal patterns, not just your most recent month, so seasonal dips don't automatically disqualify your property.

I already have an existing MCA. Can you still help?+

Often, yes. We can review your current position and see whether a consolidation or refinance structure through one of our funding partners makes sense for your property.

What will I need to apply?+

Typically your last 4–6 months of business bank and/or merchant processing statements, plus a completed application. Additional documentation may be requested by the specific funding partner.

Registration

Ready to fund your hotel's next season?

Tell us about your property and get matched with real Merchant Cash Advance offers from funders who understand hospitality — no obligation, no upfront cost to apply.

Or call (929) 594-3797

Request received

A funding advisor from Dracarys Finance will follow up shortly to walk through your offers.