Bank Statement Converter for Bed and Breakfast Owners

Bed and breakfast owners, inn operators, boutique hotel owners, and small lodging entrepreneurs can convert bank statement PDFs to Excel or CSV to document hospitality revenue, seasonal income patterns, and mixed-use property income for SBA loans. B&Bs operating from owner-occupied properties face unique financing challenges requiring careful bank statement segregation of personal and business income.

Key Benefits

How It Works

  1. Step 1: Upload business bank statement PDFs (24 months)
  2. Step 2: Select Excel output
  3. Step 3: Identify room revenue deposits from OTAs and direct bookings
  4. Step 4: Submit to SBA lender with occupancy rate history and operating P&L

Frequently Asked Questions

How do B&B owners finance owner-occupied inn properties?
SBA 7(a) loans are the most flexible: they allow owner-occupied business real estate with 10% down (vs. 25–30% for conventional commercial loans). Export 24 months of bank statements to show hospitality revenue alongside personal finances. SBA lenders evaluate the business's ability to service debt from operating income — typically requiring 1.25x DSCR. A B&B generating $150,000/year with $80,000 in expenses can support approximately $560,000 in SBA debt.
Can B&B owners use Airbnb payout history for mortgage refinancing?
Yes. Export 24 months of bank statements to show consistent OTA deposit patterns — the frequency and seasonality confirm active operations. For conventional refinancing on owner-occupied mixed-use properties, the residential portion typically needs to be 50%+ of property value. Non-QM lenders are more flexible and often accept 100% of bank statement deposits as gross income.
Convert B&B Statement Free