Funding built for the ups and downs of hospitality
Equipment, refurbishment and working capital finance for restaurants, hotels and hospitality businesses managing seasonal trade and rising costs.
Finance that flexes with the trading calendar
Hospitality income can swing sharply with the seasons, while kitchens, rooms and bars still need constant investment. We work with lenders who structure finance around that rhythm.
Offset rising interest rates
Manageable, fixed monthly repayment plans that keep borrowing costs predictable even as rates move.
Smooth out irregular cash flow
Repayment structures built around your business's income cycle, not a rigid monthly schedule.
Refinance owned equipment
Release capital tied up in assets you already own to reinvest in the business.
Invest in growth
Stay competitive and productive with the equipment or capacity you need, without a large upfront outlay.
of UK SMEs funded through a commercial finance broker had previously been declined funding elsewhere. Source: NACFB Industry Report, 2024.
Equipment and projects we help finance
From a single kitchen refit to a full hotel refurbishment, here's what we typically help fund.
Commercial kitchen equipment
Ovens, refrigeration and kitchen equipment financed without a large upfront cost.
Guest room furniture & fit-out
Furniture and fit-out for hotel and guest accommodation.
Bar & restaurant equipment
Bar fit-out and restaurant equipment for front-of-house operations.
Catering & dining equipment
Equipment to support catering, banqueting and dining service.
Refurbishment & expansion
Refurbish an existing venue or open a new location.
HVAC & climate control
Heating, ventilation and climate systems for guest and dining areas.
Finance solutions built for hospitality
A snapshot of the products our panel most commonly arranges for clients in this sector — see the full range on our funding options page.
Business Loans
Simple, scalable finance for any business purpose
Learn moreAsset & Equipment Finance
Spread the cost of vehicles, machinery and technology
Learn moreMerchant Cash Advance
Funding that flexes with your card revenue
Learn moreCommercial Property Finance
Purchase or refinance owner-occupied premises
Learn moreRefinance & Consolidation
Release equity and simplify your repayments
Learn more- Smoothing cash flow between peak and off-peak seasons
- Kitchen or venue refurbishment ahead of a busy period
- Opening a new venue or expanding room capacity
- Repayments linked to card takings rather than a fixed amount
Hospitality finance, answered
Sector-specific questions we hear most often from businesses like yours.
Yes. A merchant cash advance repays as a percentage of card takings, so repayments rise and fall naturally with your trading calendar.
Find the funding built for your business
Speak to a funding specialist today, or check your eligibility online in under a minute — no cost, no obligation.