Hotel business plans
A clear, realistic business plan to secure funding and run your property with a precise roadmap: for banks, the Swiss Society for Hotel Credit, the canton and investors.
What a business plan is for
The business plan is the document lenders read before they decide. You need it to:
apply for a bank loan;
apply for a loan from the Swiss Society for Hotel Credit (SGH);
apply for a cantonal subsidy under the Ticino Tourism Act (LTur);
convince partners, investors, municipalities or foundations;
manage your property after opening, comparing results with the plan every year.
Which projects
Opening a new hotel, B&B, hostel or aparthotel
Renovation, expansion or new services (for example wellness)
Repositioning or moving up a category
Conversion of existing or historic buildings
Taking over an existing property
Tourism projects for municipalities, patriziati and foundations
What the business plan includes
The business plan includes the full feasibility study and develops it into these chapters:
Executive summary – The project in two pages, for decision-makers.
The company – Promoters, legal form, objectives.
Location, services and product – Property, rooms, services and concept.
Markets – Tourism demand, segments and guest origin.
Competition – Direct competitors, rates and positioning.
Marketing and sales – Channels, online distribution, pricing and sales strategy.
Organisation and management – Operations, staffing and roles.
Risks – Key risks and mitigation measures.
Finance – Investment, funding structure, profit and loss forecast (GOP and NOP), cash flow and 10-year projections.
Conclusions – Overall assessment and next steps.
Second review on request: we work with Horesman SA, a hotel trust company, which can carry out a second review of the financial results of our studies. This optional service is not included in the standard offer.
Business plans for loans and subsidies
Swiss Society for Hotel Credit (SGH)
The SGH supports the Swiss hotel industry with loans and advice. We prepare your business plan with the structure and data it needs to assess your project.
Ticino LTur subsidies 2026–2029
The canton of Ticino mainly supports professionally managed accommodation projects that introduce new offers, reposition or move up a category. Since 2026 every project must include a sustainability report by the SGH. As a rule the minimum investment is CHF 500,000, but exceptions are possible for deserving small and medium-sized projects.
Sustainability and Swisstainable
For hotel projects the canton generally requires Swisstainable level II or III. For smaller properties level I may be considered as part of an improvement path. We build these requirements into the business plan from the start.
Subsidy conditions are set by the canton and may change: we check them for each project. A business plan does not guarantee a loan or subsidy. Sources: Canton of Ticino, Tourism Act and LTur directive, consulted in October 2026.
How we work
First meeting – Goals, lenders to approach, deadlines.
Proposal and engagement – Clear scope, timing and fees.
Analysis and calculations – Feasibility study, financial plan and funding structure.
Draft and review – Review with you and your partners (architect, accountant, bank).
Final business plan – A document ready to submit, with a presentation of the results.
Typical duration: usually 8–12 weeks, depending on the complexity of the project. Free, no-obligation quote after an initial meeting.
Frequently asked questions
Will banks and the SGH accept the business plan?
We prepare it with the structure and data banks and the SGH usually review. The funding decision always rests with the lender.
Can a small project get an LTur subsidy?
As a rule the canton requires a minimum investment of CHF 500,000, but it considers exceptions for deserving small and medium-sized projects aligned with its tourism strategy. In the first meeting we check whether your project qualifies.
I already have a feasibility study. Can I order just the business plan?
Yes. We review the existing study, update it if needed and develop it into the business plan.
Is the business plan useful after opening?
Yes. It becomes your management control tool: comparing results with the plan every year helps you adjust pricing, costs and strategy in time.
Ready to present your project?
Contact us and we will define together the business plan that fits your lenders and your deadlines.