Dr. Paul Borosky, DBA, MBA

Dr. Paul Borosky, DBA, MBA
Hospitality, Recreation, and Real Estate Templates

Hospitality and Recreation Business Plan Templates: What Does a Lender Need to Finance a Hotel, RV Park, or Gym?

Rooms, campsites, memberships, and storage units have one thing in common. They cost the same whether anyone uses them or not.

A lender wants to see how full you need to be, and how you plan to get there. These templates start from bookings, members, or tenants.

Find Your Business →

Lodging, membership, or space rental? Call or text (321) 948-9588.

Last Updated: 11/07/2026 · Written by Dr. Paul Borosky, DBA, MBA

Occupancy Is the Whole Conversation

For these businesses, the lender’s first question is simple: how full do you have to be?

  1. Your break-even occupancy. The share of rooms, sites, or memberships that covers the mortgage or lease.
  2. A realistic ramp. How long until you get there, season by season.
  3. The property and the build-out. What it costs, what you are putting in, and what the loan buys.

Credit and collateral still weigh in. The plan answers everything else.

Match Your Business to a Template

A hotel sells nights. A gym sells months. A storage facility sells space. Start where your money comes from.

Lodging

Hotel and Motel (night stays), Bed and Breakfast, Short-Term Rental, Tiny House. $50 each.

RV Park

Sales from weekly site rentals. $50.

Memberships

Fitness Center, Pickleball Club, Dog Park. Memberships and extras. $50 each.

Family Fun Center

Go-carts, trampolines, attractions. Sales from customer spending. $50.

Space Rental

Storage Space, plus Office Space and Coworking (by tenants). $50 each.

Real Estate Flipping

Buy, fix, sell. Sales from each property sale. $50.

Different kind of business? See all business plan templates by industry.

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Choose How the Plan Gets Done

Do it yourself, have it written, or get help running the place.

FEATURED

Business Plan Templates

The hospitality plan in Word and the model in Excel, built for bookings, members, or tenants. From $50.

Find your template →

Business Consulting

Busy season is chaos and slow season is scary? Dr. Paul's Organize-Plan-Grow™ Strategy gets the business side under control.

See consulting options →

Business Plan Writing

Busy closing on the property? Dr. Paul writes the plan and projections for you.

Start your plan →

Small Business Education

Free lessons and the Fabled Forest Business School books on marketing and filling capacity.

Start learning →

Inside the Hospitality and Recreation Models

Enter how you charge. The model handles the rest.

  1. Revenue starts with your unit. Hotel from the average night stay. Bed and Breakfast and Short-Term Rental from the average room rental. RV Park from weekly site rentals. Fitness, Pickleball, and Dog Park from memberships. Office Space from tenants. Flipping from each sale.
  2. Startup costs for the place. Build-out, equipment (gym equipment, go-carts, and more), furniture, supplies, and working capital.
  3. Monthly results and a five-year view. The monthly profit and loss (P&L), a 5-year income statement, and a summary with charts.
  4. A Word plan for your property. Location, market, competition, and the funding request.

Example: Break-Even Occupancy

Round numbers for a small inn, illustration only. Rates and costs vary widely by market.

LineExample
Rooms20
Average nightly rate$110
Monthly fixed costs (mortgage, staff, utilities)$33,000
Cost to clean and serve an occupied room$30 a night
Each occupied night leaves$80
Room-nights a month to break even ($33,000 / $80)About 413
Occupancy needed (413 of 600 room-nights)About 69%

If nearby properties run well under 69% in the off season, the lender will see the gap before you do. Plan for it.

Hospitality Plans That Miss

Dr. Paul has reviewed 1,000+ plans. These show up most in lodging and recreation.

  1. Peak season all year. Use a real average.
  2. No budget for upkeep. Rooms, sites, and equipment wear out.
  3. Ignoring the place next door. Competition sets your rate.
  4. Members who have not signed up. Pre-sales and waitlists are proof. Hopes are not.
  5. The property buried in the numbers. Make the purchase clear in the funding request.

What Hospitality Lenders Ask First

Expect these.

  1. What is the slow season like? Show the cash that carries you through it.
  2. What do nearby places charge? Your rate depends on the competition.
  3. Who runs it day to day? A manager, a team, or you.
  4. What is the property worth? Real estate is usually the biggest number in the deal.

Hospitality and Recreation Template FAQ

Hotel or bed and breakfast?

Many rooms, nightly stays: Hotel and Motel. A few rooms with breakfast: Bed and Breakfast.

I am buying an existing property. Does it fit?

Yes. Put the purchase in your funding request and use current numbers.

My business is not listed.

Pick the closest match or call Dr. Paul.

Want the background first?

Read Hotel or Motel, RV Park, Fitness Center, or Self Storage.

Do I need Microsoft Office?

Yes. The files are Word (.docx) and Excel (.xlsx). They do not work in Google Docs or Apple Numbers.

Watch How the Template Works

How to use a Business Plan Template▶

How to use a Business Plan Template

How to use a Financial Projection Template in Excel for a Business Plan▶

How to use a Financial Projection Template in Excel for a Business Plan

The walkthroughs cover the plan and the model. Each product page has its own videos too.

Dr. Paul Borosky, DBA, MBA

Dr. Paul Borosky, DBA, MBA

Every hospitality and recreation template here started as a real plan Dr. Paul wrote for an owner. Dr. Paul holds a DBA from National University and an MBA with a focus on Finance from Webster University. He has written business plans for 1,000+ small business clients over 14+ years, and he wrote Dr. Paul's Fabled Forest Business School series.

Questions? Call or text (321) 948-9588.

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