Bridging Loans for Hospitality Businesses
In hospitality, timing is everything. The best pub, hotel, or restaurant sites rarely stay on the market long. Bridging loans let hospitality operators secure properties fast and complete refurbishments before peak trading season.
Whether you are acquiring a freehold pub, converting a building into a boutique hotel, or buying a restaurant that needs a quick refit, bridging finance gets you moving. The loan is secured against the property, with exit typically via a commercial mortgage once trading history is established.
Key Benefits
- Secure freehold hospitality sites before competitors
- Complete refurbishments in time for peak season
- No monthly payments during the refurbishment period
- Refinance to a commercial mortgage once trading
Frequently Asked Questions
Can I get a bridging loan for a pub or hotel purchase?
Yes. Pubs, hotels, restaurants, and leisure properties are all accepted as security by specialist hospitality lenders. The property valuation considers both the bricks-and-mortar value and the trading potential.
What if the business has no trading history?
Bridging lenders focus on the property value and exit strategy rather than trading history. You can acquire and refurbish first, then refinance once you have 6-12 months of trading accounts.
Is an alcohol licence needed before completion?
Not for the bridging loan itself. However, your exit strategy should account for licence transfer or application timelines, as this affects when you can start trading.
Can I include refurbishment costs in the loan?
Some lenders will include refurbishment costs in the bridging facility, typically released in stages against a schedule of works. This is common for pub and hotel conversions.
Bridging Loans calculator
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Monthly interest
£2,125
Total interest
£25,500
LTV
56%
Rolled-up cost
£25,500
Illustrative estimate only, not a quote or financial advice. A broker will confirm exact terms based on your circumstances and lender appetite.
Related Funding Options
Bridging Loans UK
Bridging finance for UK businesses. Loans from £50k to £25M, with simple first-charge cases completing in 5 to 7 working days, and complex cases in 10 to 21 days. Compare rates from 50+ lenders.
Commercial Mortgages for Hospitality Businesses
Buy pubs, hotels, restaurants, and leisure properties with a commercial mortgage. Long-term finance for UK hospitality operators.
Unsecured Business Loans for Hospitality
Funding for UK pubs, restaurants, cafes, and hotels. Refurbishments, equipment, marketing, and working capital without property security.
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Get matched with lendersCoreFi is a trading name of JG Core Ltd (Company #16218779, England & Wales). CoreFi acts as a commercial finance broker and does not provide regulated financial advice. All products described are unregulated business-to-business finance. Information on this page is for general guidance only and does not constitute a formal offer of finance. Terms, rates, and availability are subject to lender criteria and may change without notice.