Three invented cases for a hotel or motel: a property management system with front-desk hardware on a term loan, a passenger shuttle van on equipment financing, and housekeeping machines on a working capital loan or a credit line. The lodging figures for Jackson County, MS on this page are from County Business Patterns 2023 and Nonemployer Statistics 2024.
At a glance
- Traveler accommodation, Jackson County, MS
39 employer establishments (CBP 2023)
- Traveler accommodation with fewer than five employees
15 of the 39, or 38.5% (CBP 2023)
- Traveler accommodation with a ZIP 39567 address
6 employer establishments (ZBP 2023)
- Traveler accommodation with no paid employees, Jackson County, MS
31 (NES 2024)
A property management system and front-desk workstations: a term loan for a Pascagoula, MS hotel
In an invented case, a hotel in Pascagoula, MS replaces its front-desk system with a property management system, paying $8,900 for setup and the first year of licenses, 3 front-desk workstations at $1,460 each and a key card encoder at $1,980, an invented $15,260.
Placed on a 36-month term loan at 12.75% a year, the invented front-desk package costs $512.33 a month. Its 36 invented payments come to $18,443.88, which carries $3,183.88 of interest.
Because setup fees and licenses have little resale value, a term loan fits this package better than an equipment agreement secured by the hardware. The door locks themselves are fixed to the building and stay outside the request; the encoder that writes the key cards sits on the desk.
A funding partner may ask for the vendor quote with hardware, setup and license lines shown apart, along with recent business bank statements. Splitting the quote this way shows the partner which part of the package has resale value and which part is a service the hotel pays for once.
A passenger shuttle van for a Jackson County, MS hotel or motel on equipment financing
In a second invented case, a motel in Jackson County, MS adds a passenger shuttle van for guests, priced at $52,800. On equipment financing for five years at 11.05% a year, the invented shuttle van costs $1,149.32 a month.
Sixty invented payments later, the motel has paid $68,959.20, with $16,159.20 going to interest. A funding partner may hold the title as collateral and may ask for the dealer quote and proof of commercial auto coverage before funding.
A guest shuttle is a passenger vehicle for the hotel's own business, so it is equipment a request can name, and the fuel and upkeep of rides for hotel guests are part of the hotel's operating costs.
Floor scrubbers, vacuums and housekeeping carts: working capital or a credit line for a Pascagoula, MS hotel
A third invented case: the hotel buys a ride-on floor scrubber at $6,350, 4 commercial vacuums at $640 each and 6 housekeeping carts at $435 each, an invented $11,520.
| Funding type (invented) | Annual rate | How it is paid | Interest |
|---|---|---|---|
| Working capital loan | 15.45% | 8 payments of $1,524.67 | $677.36 |
| Credit line draw | 14.55% | $1,500 a month plus interest, 8 payments | $608.20 |
In this invented comparison, the credit line draw costs $69.16 less in interest than the working capital loan, and its first invented payment of $1,639.68 is $115.01 higher than the fixed $1,524.67. The line takes principal in even steps over 8 months. The loan has a set payoff date and one payment amount.
Traveler accommodation in Jackson County, MS: lodging counts, staff size and ZIP 39567
County Business Patterns 2023 counted 39 traveler accommodation employer establishments (NAICS 7211) in Jackson County, MS, with 392 employees, about 10.1 per property.
Fifteen of the 39 (38.5%) had fewer than five employees, the size of a motel run by its owners with a small housekeeping staff. The other 24 had five or more employees on their payrolls.
ZIP Code Business Patterns 2023 placed 6 traveler accommodation establishments at a ZIP 39567 address.
Nonemployer Statistics 2024 separately listed 31 traveler accommodation businesses in Jackson County, MS with no paid employees, such as owner-run inns. The Pascagoula, MS page and the industries page carry city, ZIP 39567 and other trade figures.
Hotel costs outside a Pascagoula, MS request: the property, its mortgage and work on the building
Some hotel costs are outside this site, and Deerbrook Lenders does not take requests for them:
- Buying a hotel or motel is outside this site, and so are mortgage refinancing and land purchases.
- Work on the building or its guest rooms, including door locks, plumbing, HVAC units and pools.
- Furnishings and fixtures for guest rooms, and any construction or expansion.
- Costs for a property that has not opened yet.
Front-desk systems, shuttle vans, housekeeping machines, supplies and payroll are operating costs, and working capital can cover several of them.
By Deerbrook Lenders · Updated
