Finance That Works at Your Pace
Pubs, restaurants, hotels, and cafes all share one thing: unpredictable cash flow. Our finance solutions flex with your revenue so you only repay when customers pay you.
£130bn
UK hospitality sector value
180,000+
Hospitality businesses
90%
Average MCA approval rate
48 hours
Funding speed (MCA)
Hospitality is one of the most demanding sectors for cash flow management. Between seasonal trade, staff costs, refurbishment needs, and rising supply prices, having access to flexible working capital is essential. The good news is that businesses with strong card turnover have excellent options.
Common Challenges in Hospitality
Seasonal revenue swings
Trade can drop significantly in quieter months while fixed costs remain the same.
Refurbishment costs
Premises need regular updating to stay competitive. A tired-looking venue loses customers.
Equipment purchases
Commercial kitchens, bars, and hotel rooms all require expensive equipment that needs periodic replacement.
Staff costs
Wages are the largest outgoing for most hospitality businesses and they cannot wait.
Finance Solutions for Hospitality
We work with specialist lenders to find the right product for your business.
Merchant Cash Advance
Repay as a small percentage of daily card sales. Quiet day, small repayment. Busy day, larger repayment.
Learn moreRevenue-Based Finance
Funding linked to your monthly revenue. Scales naturally with your business.
Learn moreUnsecured Business Loans
Fixed-term loans without property security. Based on trading history and cash flow.
Learn moreCommercial Mortgages
Purchase your own premises instead of paying rent. Build equity in your business.
Learn moreAsset Finance
Spread the cost of kitchen equipment, bar fittings, and furniture.
Learn moreGet a Free Hospitality Finance Quote
Tell us what you need and we will match you with the best lenders for your business. No obligation, no credit check.
Get matched with the right lenders
Tell us a little about your business and we will match you across our UK lender panel. No fee to search, no obligation.
Frequently Asked Questions
What is a merchant cash advance?
A merchant cash advance gives you a lump sum of funding that you repay as a small percentage of your daily card sales. There is no fixed monthly payment. If you have a quiet Tuesday, you repay less. If Saturday is busy, you repay more. There is no interest rate, just one fixed fee agreed upfront.
Do I need to own property to get business finance?
No. Merchant cash advances and unsecured business loans do not require property as security. If you process card payments and have been trading for at least six months, you are likely eligible.
Can I get finance if I have bad credit?
Some lenders specialise in working with businesses that have adverse credit history. MCA providers in particular focus on your card turnover rather than your personal credit score.
Related Sectors
Ready to Get Funded?
Whether you need working capital, equipment finance, or property funding, we can connect you with the right lender in days, not weeks.