Funding for the refit, the new site or the quiet months.
Hospitality runs on tight margins and busy seasons. A refit, a new kitchen or a second site needs money up front, and a quiet January can squeeze anyone. We match you with one specialist who works with restaurants, pubs, cafés and hotels.
- £10k to £1m for limited companies
- Refits, new sites, equipment and seasonal cash flow
- Lenders that understand card takings and seasons
Great food, full tables, and still tight on cash.
A loan spreads the cost so the refit pays for itself as covers go up.
A working capital loan can bridge the quiet months.
Specialist lenders often look at your trading figures rather than your bank’s checklist.
What lenders often look at for hospitality
Card takings
Steady card income helps show what you can afford to repay.
Trading history
Most lenders want at least a year of accounts or bank statements. Brand new sites are harder.
Seasonality
Repayments that fit your quiet months make a big difference. Ask about flexible options.
Premises
Lease length and whether you own the building can affect larger loans.
Is a business loan right for your business?
Usually a good fit
- Limited company or LLP
- Usually 12 months or more trading
- Regular card takings
Harder to fund
- New openings with no trading history
- Recent heavy losses
- Short leases with no renewal
Not sure? That's what the call is for. If it isn't the right fit, your specialist will tell you and suggest what might work instead.
What happens after you enquire
Two minutes online
A few questions. We find your company on Companies House as you type.
A text from us
Straight away, with the name of the specialist who'll call you.
A short call
Usually within a working day. About 15 minutes on how your business trades.
Options in plain English
What is available, the full cost in pounds, and what they would need.
You decide
No obligation. Saying "not right now" is fine.
Questions from hospitality businesses
Funding a brand new business is hard. Funding a second site for an established business is much more common.
Find out what your business could borrow.
Two minutes. Free. No hard credit check. One specialist, not ten calls.