Hospitality revenue arrives in waves — weekends, seasons, events — while payroll, rent, and vendors bill in straight lines. A revenue purchase bends with the waves instead of fighting them. This is boutique funding: a person reads your file, not a scoreboard.
The year's profit concentrates into a season or an event calendar. The other eight months are maintenance mode with the payroll meter still running.
The room refresh, the patio, the event-space buildout — capex that raises rate and occupancy for years, due in full before the first upgraded booking.
OTAs remit in batches, event deposits arrive months before the balance, and group business settles net-30. The calendar is full; the account is not.
Hospitality carries a permanent risk asterisk at banks. A two-year-old boutique property at 78% occupancy with rising ADR still gets declined for lacking history — the model prefers a franchise flag and a decade of returns.
SBA 504 works for real-estate-heavy plays on a four-month timeline. It does nothing for the off-season payroll bridge due in March.
Daily card settlements, weekly OTA payouts, event deposits — hospitality deposits are frequent and legible. We advance against the blended rhythm and remit weekly, so the purchase settles hardest exactly when the house is full.
The classic use is the off-season bridge: cover payroll and the renovation while occupancy is low, then settle fast when the season hits. The purchase costs a fraction of a lost season — or a lost key employee. Sharp terms, straight answers — that is the whole Cutting Cap model.
Keep the core team through the slow quarter instead of rehiring and retraining every spring — retention is the cheapest capex there is.
The cosmetic renovation that lifts ADR $20–$40 and feeds the review score that drives the booking engine.
Convert underused square footage into bookable event revenue — weddings and corporate buyouts at multiples of room rate.
Yes — seasonality is priced into the remittance structure. Weekly amounts follow your revenue rhythm, so the slow months automatically cost less.
Every deposit counts: direct bookings, OTA remits, event settlements, F&B. We read the blended rhythm across all of it.
Decisions run 24–72 hours with clean statements, and funding follows within days. Operators routinely time purchases to hit the off-season construction window.
A $15,000, $25,000, or $50,000 revenue purchase — and those are floors, not ceilings. We fund more when the financials support it. Apply in four minutes; decision in 24–72 hours.
