Hotels Business Loans and Finance for UK Hospitality

Running a hotel means juggling occupancy swings, refurb schedules, staffing, utilities and guest experience — often all at once. Fast Business Loans helps UK hotel owners and operators connect quickly with trusted lenders and brokers who understand hospitality. Whether you need working capital, refurbishment finance, a hotel mortgage, bridging, equipment or sustainability upgrades, we match your enquiry to suitable partners fast.

• Free eligibility check
• No obligation to proceed
• UK-only partners with sector awareness
• Submitting an enquiry won’t affect your credit score; partners may run credit checks if you proceed

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What Are Hotels Business Loans?

Hotels business loans and finance cover a range of commercial funding solutions designed for hotels, boutique properties, guest houses, aparthotels, serviced accommodation and small chains. These funds can support both day-to-day cash flow and long-term investment.

Common uses include:

• Refurbishments, fit-outs and FF&E upgrades
• Acquisitions, expansions or extensions
• Seasonal working capital and cash flow smoothing
• Energy efficiency and sustainability projects (e.g., solar PV, heat pumps, EV chargers)
• Kitchen, laundry, bar and IT/PMS equipment
• VAT, tax and supplier payments
• Refinancing to reduce monthly outgoings

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Who We Help

We connect a wide variety of UK hospitality businesses with specialist lenders and brokers, including:

• Independent hotels and boutique properties
• B&Bs and guest houses
• Country inns, pubs with rooms and small hotel groups
• Serviced apartments and aparthotels
• Leisure resorts and conference hotels
• Management buy-ins/outs and new operators with strong experience

Popular Finance Options for Hotels

Every hotel is unique. Our partners consider sector-specific factors like occupancy, ADR, RevPAR, location, brand, and management experience to find the most suitable route.

Unsecured Business Loans

• Use cases: fast working capital, marketing, payroll, small refurb items
• Typical features: fixed terms; no property security (a personal guarantee may be requested)
• Speed: often rapid decisions and funding

Secured Business Loans

• Use cases: larger projects, consolidations, buyouts
• Security: property or other assets; may offer better rates
• Best for: established hotels or multi-asset operators

Commercial Mortgages for Hotels

• Use cases: purchasing a hotel or refinancing an existing one
• Key factors: trading performance, property value, LTV, history, management credentials
• Potential benefit: longer terms and more predictable repayments

Bridging Loans

• Use cases: quick purchases, auction buys, urgent refurb ahead of refinance
• Short term: interest often rolled up or serviced; clear exit plan required

Development and Refurbishment Finance

• Use cases: extensions, room additions, major refurb, change-of-use
• Requirements: planning permissions, cost schedules, a capable professional team

Merchant Cash Advance (Hospitality)

• Use cases: seasonal smoothing and quick working capital
• Repayment: flexible, linked to card takings

Asset and Equipment Finance

• Use cases: kitchen equipment, laundry machines, boilers/HVAC, minibuses, IT/PMS
• Structures: hire purchase, lease, refinance of existing assets
• Explore more: Equipment Finance

Invoice and Trade Finance

• Use cases: less common for room-only turnover but useful where conference/events invoicing or trade cycles exist
• Benefit: unlocks cash tied up in receivables

Sustainability and Energy-Efficiency Loans

• Use cases: heat pumps, solar PV, insulation, EV chargers, LED, water-saving systems
• Benefit: lower operating costs and improved ESG profile
• Explore more: Sustainability Business Loans

Tell us what you need — we’ll match your enquiry to relevant partners. Get Started

Why Hotels Choose Fast Business Loans

• Specialist matching: We connect you with lenders/brokers who understand hospitality
• Faster route to options: One short enquiry; multiple suitable conversations
• No obligation: You decide if any offer fits your goals
• Free service: It’s free for business owners. We may receive a commission from partners
• Clear and fair: We don’t lend or provide financial advice; we introduce you to professionals who do

What Lenders Look For in Hotel Finance

Understanding common criteria can help you prepare a stronger case:

• Trading profile: latest filed accounts, management info, P&L and balance sheet
• Hotel metrics: occupancy, ADR, RevPAR, channel mix, forward bookings
• Experience: owner/operator background, brand or franchise agreements
• Property details: freehold/leasehold, valuation, location, planning status
• Security and guarantees: collateral and personal guarantees (depending on product)
• Credit profile: business and principal directors’ histories
• Affordability: realistic projections that reflect seasonality and contingency

Documents Checklist

Exact requirements vary, but commonly include:

• Company details: number, trading address, ownership structure
• ID and proof of address for directors/owners
• Last 3–12 months of business bank statements
• Last 2 years accounts (if applicable) plus latest management figures
• Revenue breakdown: rooms, F&B, events/conference
• Forward bookings and channel data (OTA/direct) if available
• Existing debt schedule and asset list
• Property details: title, valuation (if available), planning permissions for development
• Quotes/cost schedules for refurb or equipment
• Sustainability project specs for green finance

Upload details in minutes – Free Eligibility Check

Use of Funds: Real-World Hotel Scenarios

Seasonal Working Capital

Situation: A coastal hotel needs cash pre-peak for staff onboarding, inventory and marketing. Potential routes: unsecured business loan or merchant cash advance to smooth seasonality.

Major Refurbishment

Situation: A city boutique hotel is renovating rooms and its lobby to boost ADR. Potential routes: secured loan, refurbishment finance, or bridging followed by commercial mortgage refinance after works.

Acquisition or Expansion

Situation: A family operator purchasing a second site. Potential routes: commercial mortgage, secured business loan, or bridging while finalising long-term facilities.

ESG and Energy Upgrades

Situation: Rising energy costs and guest expectations for sustainability. Potential routes: sustainability/green loans, asset finance for HVAC/solar, and potential pairing with incentives.

Note: Scenarios are illustrative only and not financial advice. Terms depend on individual circumstances and lender criteria.

Find out what you could qualify for today – Get Quote Now

How Our Process Works

1. Complete a short enquiry
   Tell us about your hotel, the funding you need and your contact details. It takes less than 2 minutes.
2. We match you with trusted partners
   We connect you with UK lenders and brokers best suited to hotels and hospitality.
3. Fast response
   Expect a call or email to discuss options. Share documents securely to progress.
4. Compare and decide
   Review offers and choose what’s right for you. There’s no obligation to proceed.

Start Your Enquiry – Free Eligibility Check

Pricing, Terms and Timelines

Funding costs and timelines vary by product, risk profile, security, loan size and lender.

• Loan sizes: typically from £10,000 up to £5 million+
• Terms: from a few months (bridging/advances) to several years (secured loans/mortgages)
• Speed: some unsecured facilities can complete quickly; property-backed solutions may take longer due to valuations and legals
• Fees: some products involve arrangement, valuation, legal or broker fees; your lender/broker will outline all costs before you proceed

We don’t quote generic rates because every hotel is different. Our role is to connect you quickly to suitable partners who will provide transparent terms for your specific case.

Compliance, Transparency and Fairness

• We are an introducer, not a lender, and we do not provide financial advice
• Submitting an enquiry with us won’t affect your credit score. If you proceed, partners may run credit checks
• Eligibility and approval are subject to status, affordability and lender criteria
• If security is provided, your property or other assets may be at risk if you fail to keep up repayments
• Late or missed payments can incur fees and impact your credit rating
• Your details are only shared with relevant UK finance partners for the purposes of your enquiry
• Our service is free for business owners; we may receive a commission from partners if you go ahead

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FAQs: Hotels Business Loans

Are you a lender?

No. Fast Business Loans is not a lender and does not provide financial advice. We introduce UK businesses to trusted brokers and lenders.

Will my enquiry affect my credit score?

No. Submitting our enquiry form won’t affect your credit score. If you decide to proceed with a lender/broker, they may run credit checks.

Can you help with a hotel purchase or refinance?

Yes. Our partners include commercial mortgage and bridging specialists experienced in hotel acquisitions and refinancing.

How quickly can funding be arranged?

Some unsecured or merchant cash advance solutions can be fast. Secured, mortgage and development deals generally take longer because valuations and legal work are required.

What if I have limited trading history or adverse credit?

There are lenders who can consider start-ups, MBOs/MBIs or imperfect credit. Suitability depends on the overall strength of the proposal and security.

Do you work with freehold and leasehold hotels?

Yes. Many lenders prefer freehold, but options may exist for strong leasehold cases with robust trading and terms.

Do you cover all of the UK?

Yes, including England, Scotland, Wales and Northern Ireland (partner availability may vary).

What documents will I need?

Typically: ID, business bank statements, accounts/management info, property details for secured deals and relevant quotes/plans for refurb or development.

Do you charge hotel owners a fee?

Our service is free for business owners. We may receive a commission from partners if you take out a product through them.

Are there green finance options for hotels?

Yes. Options exist for energy efficiency upgrades and sustainability projects. Partners can outline any available incentives and structures.

Get your free eligibility check and match with hospitality-focused lenders today – Get Quote Now

Useful links: Home | Start Your Enquiry | Sustainability Finance | Equipment Finance | Construction & Refurb Finance

Fast Business Loans connects UK businesses with trusted finance brokers and lenders. We are not a lender and do not offer financial advice. Finance is subject to status and lender criteria. Your property or other assets may be at risk if you provide them as security and fail to keep up repayments. Late or missed payments can incur fees and affect credit ratings. No obligation to proceed. Enquiry will not affect your credit score. Partners may conduct credit checks if you progress.

1) What is Fast Business Loans and are you a lender?
No—Fast Business Loans is not a lender or financial adviser; we’re a free matching service that connects UK businesses with trusted brokers and lenders.

2) How fast can I get matched and funded?
Complete our 2‑minute enquiry and you’ll usually hear from a suitable lender or broker within hours (sometimes minutes); funding timelines then depend on the lender and product.

3) Will comparing business finance options affect my credit score?
No—your initial enquiry doesn’t affect your credit score, and credit checks only occur if you choose to proceed with a partner.

4) What loan amounts are available through your partners?
Our panel typically offers funding from around £5,000 up to £5 million or more, subject to your circumstances.

5) What types of business finance can you connect me with?
We match businesses to unsecured or secured loans, cashflow loans, invoice finance, asset and equipment finance, vehicle and fit‑out finance, refinance solutions, sustainability loans, and commercial finance.

6) Do you charge fees or require any commitment?
No—our service is free for business owners and there’s no obligation to accept any offer.

7) Can start-ups or businesses previously declined still get finance?
Yes—many of our partners specialise in start-ups and alternative options, so you may still be eligible even after a previous refusal.

8) Are your lenders and brokers regulated and trustworthy?
We only connect you with verified UK brokers and lenders who follow FCA guidelines and treat customers fairly.

9) What information do I need to start my enquiry?
You’ll just provide basic business and contact details, the amount you need, and the purpose of funding, with any further documents requested by the chosen partner.

10) Which industries do you support?
We support a wide range of UK sectors including construction, sustainability, hospitality, healthcare, agriculture, retail and e‑commerce, logistics and transport, manufacturing, professional services, and more.