A lodge or hotel in Steamboat Springs, CO can spread the cost of new beds, case goods and laundry machines with equipment financing or a term loan, and cover linen orders and payroll with working capital or a line of credit. Mapleshore Financial hands the request to funding partners; whether an offer comes back, and on what terms, is each partner's call. Buying a lodge, and any work on the building, sit outside this site.
Room furnishings and laundry machines fit equipment financing or a term loan; linens, supplies and payroll fit working capital or a credit line. In Routt County, CO, the 2023 CBP file counts 36 traveler accommodation establishments with paid staff. Partners set their own terms; property and building work are not covered.
Guest room furniture, linens and equipment
A room package is simpler to fund once it is split by how long each piece lasts. Mattresses and box springs, headboards, dressers, nightstands, desks and chairs, lamps and the TV on the wall can all stay in service for years. Sheets, towels, duvet covers and pillows go through the laundry every day and are replaced far sooner. Blackout drapes sit in between.
The long-lived pieces suit equipment financing, where the furniture itself secures the debt, or a term loan when the package mixes furniture with delivery, setup and haul-away of the old pieces. Linens are closer to a supply cost, so a long term on them would leave payments running after the sheets are gone.
Illustration only, invented figures: a 24-room lodge replaces the mattress, TV and nightstands in every room at $2,150 per room, $51,600 for the whole package. With a 48-month term at an annual rate of 10.5%, the lodge would send $1,321.13 each month. Across all 48 the lodge pays $63,414.24, and $11,814.24 of that is interest. A real offer can come back with a different rate, term or fee.
The hotels and motels page lists the lodging items this site covers and the product each one matches.
Lobby furniture, front-desk POS and common-area furnishings
Guests see the lobby first, and much of what is in it can move: sofas and lounge chairs, side tables, a luggage cart, breakfast-room tables and chairs, and the front desk computer with its card reader and receipt printer. Each of these can be listed on a quote and financed as an item.
| Item | Product to ask about | Why it fits |
|---|---|---|
| Lobby sofas, lounge chairs and side tables | Equipment financing or a $1 buyout lease | Years of use; ownership at the end |
| Front-desk POS terminals and card readers | Fair market value lease | Replaced as the hardware ages |
| Breakfast-room tables and chairs | Equipment financing | Furniture that secures its own financing |
| Luggage and housekeeping carts | Line of credit | Small, repeat purchases |
Some things in a lobby belong to the building rather than the business: flooring, wall finishes, built-in lighting, the fireplace, and any heating, cooling or plumbing change. Those are building work and are outside this site, as is the purchase of the property itself.
Payroll, laundry and supplies between guest payments
An on-site laundry turns two different costs into one room. The washers, dryers and folding tables are machines with a long working life. The detergent, the replacement linens and the wages of the people running the loads are costs that come back every week, sometimes before the money from the stays that used them has settled into the bank account.
Illustration only, invented figures: new commercial washers and dryers priced at $26,000 are financed at an annual rate of 9.75% for 60 months. The monthly bill is $549.23; over five years the lodge pays $32,953.80, of which $6,953.80 is interest.
Linen par is the other half. Illustration only, invented figures: a property with 40 beds keeps 3 sets per bed at $95 a set, so a full linen reorder costs $11,400. Drawn on a line of credit at an annual rate of 13% and paid off 50 days later, that draw carries $203.01 of interest on a 365-day year.
Wages and supplies that come due before deposits arrive fit working capital: one amount, paid back on a set schedule, with no item behind it.
What a lender reviews from a lodge operator
Each funding partner writes its own requirements, and none of them is published on this site as a cutoff. For lodge furnishings and machines, a partner can ask about:
- Years under the current owner, and the brand agreement if the property is franchised
- Business bank statements showing card batches and booking-channel payouts
- Existing leases or loans on furniture, laundry machines or terminals
- A quote for each item, with delivery and installation listed apart
- The brand spec sheet or the property’s own furnishing list
- Business and personal credit
Traveler accommodation (NAICS 7211) is the Census code for lodges, hotels and inns. For Routt County, CO, the 2023 County Business Patterns file lists 36 of them with paid staff. Counted by ZIP code instead, ZIP 80487 had 28 in the 2023 ZIP Code Business Patterns; that ZIP covers more ground than the city.
Contact details plus three ranges are all the request form takes, and sending it does not count as a credit application. The item list and quotes come up on the phone with Mapleshore Financial.
By Mapleshore Financial · Updated
