Hotel FF&E Financing

Finance guestroom FF&E, case goods, and soft goods for a brand-mandated PIP — with draws that follow the renovation floor by floor. Representative example: a $650,000 FF&E package runs about $12,400/month.*

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The FF&E package Reality

A property improvement plan arrives with a date on it. The brand sets the cycle, the scope, and the deadline, and the franchise agreement makes compliance the price of keeping the flag — so unlike most equipment decisions, the owner controls neither the timing nor the specification. What is negotiable is how it gets paid for. We fund FF&E on the renovation's own schedule, floor by floor, with payments starting once rooms are back in inventory rather than while they sit out of service.

Built for This Asset

Structures priced by people who know what a FF&E package earns and how it holds value — not a generic credit box.

Hospitality Expertise

Part of our Hospitality vertical: payment structures matched to how this industry's revenue actually arrives.

Backed by $1B

A $1B forward flow agreement with TPG gives Elevex institutional capital strength with entrepreneurial speed.

What We Finance

Guestroom case goods, seating, and soft goods
Lobby, corridor, and public-space furnishings
Mattresses, box springs, and bedding packages
In-room technology, televisions, and connectivity
Fitness, pool, and amenity equipment
Brand-spec PIP packages across multiple properties

Payment Structures

The differentiation: four ways to own the same equipment, engineered to your cash flow. Compare them side by side on our structures page.

Operating Lease

Off-balance-sheet treatment with end-of-term flexibility — return, renew, or purchase. Often the right answer when technology cycles or accounting outcomes drive the decision.

$1 Buyout Lease

Own the equipment for one dollar at term end. Fixed payments, full Section 179 eligibility, and a clean path to ownership.

Seasonal & Step Payments

Payments that follow your revenue curve — lighter in slow months, heavier in peak season, or stepping up as new equipment ramps to full production.

Usage-Based & As-a-Service

Payments tied to hours, output, or consumption. The category Elevex is defining: pay for what equipment achieves, not what it costs.

Learn more about financing structures

How It Works

Three steps from quote to funded.

1 · Apply in Minutes

Application-only to $1,000,000 — no tax returns or financials below that threshold. Have your equipment quote, auction listing, or build spec ready.

2 · Structure Together

A finance professional (not a portal) walks the structure options — term, seasonality, end-of-term — and prices the deal to your cash flow.

3 · Fund in 24–48 Hours

Most transactions fund within 24–48 hours of signed documents. Your vendor gets paid; you get to work.

Common Questions

Can financing follow a floor-by-floor renovation?

Yes — that is how a PIP should be funded. Draws release as each phase is ordered and installed, and your payments begin when rooms return to inventory instead of while they are out of service earning nothing.

Does a brand-mandated PIP change how the deal is structured?

It helps, because the scope and the deadline are documented rather than discretionary. We finance to the brand's specification and timeline, and owners with several properties can put a whole PIP program on one facility instead of renegotiating hotel by hotel.

Can I finance a used FF&E package?

Yes — used FF&E package financing is standard business, whether the unit comes from a dealer, an auction, or a private seller. We value working assets on condition and remaining service life, not a blanket age cutoff, and set terms the equipment can actually support.

Does an FF&E package qualify for Section 179?

Most business-use equipment placed in service this tax year qualifies for Section 179 expensing, financed or purchased outright — often meaning the first-year deduction outruns your first-year payments. Run your numbers on our Section 179 calculator and confirm specifics with your tax advisor.

How fast can hotel FF&E financing close?

Application-only decisions to $1,000,000 come back in minutes for qualified credits, and most deals fund within 24–48 hours of signed documents. Apply online with your quote to start.

Ready to finance your FF&E package?

Payments built on outcomes, from the team that knows your industry. Equipment sellers: offer financing at the point of sale with CapVex.

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