Are you a business owner in need of financial assistance to fuel the growth of your commercial enterprise or hotel? Look no further than Clearlease Financial Group, your trusted partner in Commercial Finance and Hotel Finance solutions. With their extensive expertise and commitment to excellence, Clearlease Financial Group offers a comprehensive range of funding options tailored to meet your unique needs.

In this guide, we will delve into the world of commercial finance and hotel finance, shedding light on the intricacies of these sectors and providing you with valuable insights to make informed decisions. Whether you are a seasoned entrepreneur or just starting out, understanding the fundamentals of commercial finance and hotel finance is crucial to secure the necessary capital and propel your business to new heights.

Commercial Finance:

Commercial finance refers to the funding and financial services designed specifically for businesses. From start-ups to established enterprises, companies often require additional capital to expand operations, invest in equipment, manage cash flow, or undertake strategic initiatives. Clearlease Financial Group offers a range of commercial finance solutions, including:

  1. Business Loans: Whether you need funds to launch a new project or expand your existing business, Clearlease Financial Group can assist you in securing business loans with favorable terms and competitive interest rates.
  2. Equipment Financing: Acquiring essential equipment is a significant investment for many businesses. Clearlease Financial Group provides equipment financing options that enable you to access the necessary tools and machinery without depleting your working capital.
  3. Commercial Real Estate Loans: If you are planning to purchase, refinance, or renovate commercial properties, Clearlease Financial Group can help you navigate the complexities of commercial real estate loans, ensuring you obtain the most suitable funding for your specific requirements.

Hotel Finance:

The hotel industry is unique, requiring specialized funding solutions to address its distinct challenges and opportunities. Clearlease Financial Group understands the intricacies of the hospitality sector and offers a range of hotel finance options, including:

  1. Hotel Construction Loans: If you are embarking on a hotel development project, Clearlease Financial Group can assist you in securing construction loans tailored to the unique requirements of the hospitality industry, including funding for land acquisition, construction costs, and other associated expenses.
  2. Hotel Acquisition Loans: If you are looking to purchase an existing hotel property, Clearlease Financial Group can help you secure hotel acquisition loans with flexible terms, enabling you to complete the transaction smoothly and efficiently.
  3. Hotel Renovation Loans: Renovating and updating hotel facilities is crucial to stay competitive in the ever-evolving hospitality industry. Clearlease Financial Group offers hotel renovation loans designed to support your property improvement initiatives.

Why Choose Clearlease Financial Group?

Clearlease Financial Group stands out as a leading provider of commercial finance and hotel finance solutions for several reasons:

  1. Expertise: With years of experience in the industry, Clearlease Financial Group boasts a team of financial experts who understand the unique needs and challenges faced by businesses and hotel owners. They can provide personalized guidance and tailor financial solutions to suit your specific circumstances.
  2. Wide Network: Clearlease Financial Group has established strong relationships with various lenders, allowing them to access a wide range of funding sources. This network enables them to secure competitive financing options on your behalf.
  3. Streamlined Process: Clearlease Financial Group simplifies the funding process, guiding you through each step and ensuring a seamless experience. From application to approval and disbursement, their efficient process saves you time and effort.
  4. Customized Solutions: Clearlease Financial Group recognizes that every business and hotel venture is unique. They take the time to understand your goals and tailor financial solutions that align with your vision and objectives.

Navigating the world of commercial finance and hotel finance can be daunting, but with Clearlease Financial Group as your trusted partner, you can unlock the funding options you need to succeed. Contact Clearlease Financial Group today to explore how their expertise can help fuel your commercial and hotel ventures.

Clearlease Hotel Finance
Clearlease Hotel Finance
Clearlease Hotel Finance

Clearlease Financial Group can facilitate up to 100% lease financing and offer up to a 66-month term thus helping the hotel owner reach revenue stabilization sooner. Below is an extensive list of the equipment that can be leased/financed under our program:

  1. All case goods except for the wallpaper and the carpeting
  2. Televisions
  3. All telephone systems
  4. Air-Conditioning Systems
  5. Door Locks
  6. Security systems
  7. Micro Fridges
  8. Restaurant furniture and equipment
  9. Gym Equipment
  10. Pool furniture and equipment
  11. Complete front office business center equipment and furniture
  12. Commercial Laundry Machines and Dryers
  13. Ice Machines
  14. Various Rental Equipment for resorts; skidoos, marine craft, etc.

Note: If there is an item and/or category not listed above, please do not hesitate to call our office.

Sample/Case Study of FF & E FinancingBelow is a sample of how the lease cost per room/per month is covered by one day’s occupancy rate by a hotel guest:

Number of Rooms:   120 Rooms
Case Goods cost per room:   $6700.00 before applicable taxes
Total Case Goods value: (120 X 6700.00)   $804,000.00 before applicable taxes
Lease Term:   66 months
Monthly Payment: (0.02001 X 804,000)   $16,088.04 plus applicable taxes
Cost per room/per month: (16,088.04 for 120 rooms)   $134.06 plus applicable taxes
Cost per day/per room: (134.06 for 30 days)   $4.46 plus applicable taxes

Leasing vs. Loan Assumption: Assuming FF & E amount required by the hotel is $1,000,000.00

Leasing Structure Purchase Structure
$1,000,000 lease
Lease term: 66 months
Rate factor: .02001
Monthly: $20,010
Total annual payment: $240,120
Total annual expense for income tax purposes $240,120
$1,000,000 loan or purchase
Year 1 $1,000,000
Less 10% depreciation*: -$100,000
Un-depreciated Capital Cost (UCC): $900,000

*in the year of acquisition

Expense: $240,120
UCC from Year 1: $900,000
Less 20% depreciation: -$180,000
UCC: $720,000
Expense: $240,120
UCC from Year 2: $720,000
Less 20% depreciation: -$144,000
UCC: $576,000
Expense: $240,120
UCC from Year 3: $576,000
Less 20% depreciation: -$115,200
UCC: $460,800
Expense: $240,120
UCC from Year 4: $460,800
Less 20% depreciation: -$92,160
UCC: $368,640
Expense: $120,060 (6 months)
UCC from Year 5: $368,640
Less 10% depreciation*: -$36,864
UCC: $331,776

*in the year of disposition

Total lease expense over a period of 5.5 years: $1,320,660
Total depreciation expense over a period of 5.5 years: $668,224

Conclusion: Leasing will generate an additional $652,436 ($1,320,660 – $668,224.00) in off-balance sheet expenses thereby reducing the tax burden and increasing the company’s equity on the balance sheet. Comment from Schwartz Levitsky Feldman LLP Chartered Accountants (Brett Starkman, C.A.): Based on the assumption that the FF&E are Class 8 assets under The Income Tax Act of Canada, the depreciation/CCA (capital cost allowances) as calculated above are correct.

APPLY TODAY - Get Approved!

You're one step away from getting the financing you need: Seamlessly Secure Financing with Clearlease's Online Application.


and one of our experts will get back to you within 24 hours