Hotels Business Loans: Fast Funding for UK Hospitality Operators

Summary: Fast Business Loans helps UK hotels find suitable finance from £10,000 upwards by introducing them to specialist lenders and brokers. Common solutions include term loans, bridging, asset and equipment finance, invoice/OTA receivables finance and energy-efficiency funding. Complete a quick, no‑obligation enquiry to get matched with hospitality-aware finance partners and receive tailored quotes — soft enquiry, no immediate credit impact. Get Your Free Eligibility Check

What are the best business loan options for UK hotels right now?

Short answer: the best option depends on purpose, amount and asset base. For working capital and short-term cashflow most hotels choose unsecured business loans, merchant cash advances tied to card turnover, or invoice/OTA receivables finance. For property purchases, major refurbishments or long-term investments, secured commercial loans, commercial mortgages and development/bridging finance are typical. Asset finance covers equipment (laundry, kitchens, EV chargers), while specialist green loans or grants can support energy-efficiency upgrades.

Fast Business Loans does not lend. We match your hotel with brokers and lenders experienced in hospitality so you can compare suitable offers quickly. To see tailored options, Get Your Free Eligibility Check — it’s fast and obligation-free.

Why hotel financing is different

• Seasonal revenues and volatile occupancy require flexible short-term facilities at peak and off-peak times.
• Large one-off costs for refurbishments and brand standard compliance can need staged or project finance.
• High staffing and operating costs mean lenders focus on margins, RevPAR, ADR and management accounts.
• ESG/energy costs are increasingly material — lenders may favour hotels with credible sustainability plans and potential grants available.

We help improve your chances by introducing you to lenders who understand hospitality; approvals depend on eligibility and underwriting criteria and cannot be guaranteed.

Common hotel funding scenarios we support

• Renovations & brand upgrades: refinance or staged funding for refurb programmes.
• Energy-efficiency projects: solar, heat pumps and EV chargers often qualify for specialist finance or grants.
• Seasonal working capital: bridge cashflow between high and low seasons, or cover payroll during quieter months.
• Site acquisition or expansion: commercial mortgages, bridging and development finance for purchases and conversions.
• Technology and PMS upgrades: asset or equipment finance for booking engines, POS and back-office systems.
• Bridging for delayed receivables: short-term lending when expected bookings or OTA receipts are delayed.

Tell us what you need and we’ll match you to partners who can help — Get Quote Now.

Hotel business finance options matched through Fast Business Loans

Unsecured business loans

Typically used for working capital, marketing or small refurb jobs. Quick decisions possible for smaller amounts from £10,000 upward. Terms usually 1–5 years depending on lender.

Secured commercial loans & mortgages

For property purchase, major refurbishment or long-term investment. Higher amounts and longer terms; lenders will assess property value and business cashflows.

Merchant cash advance / card turnover loans

Repayments taken from card sales — useful for hotels with strong POS revenue. Fast access but can be more expensive; suitability depends on your card turnover profile.

Invoice finance & OTA receivables finance

Release cash tied up in unpaid invoices or OTA commissions. Helpful for B2B bookings or where large corporate invoices create gaps in cashflow.

Asset & equipment finance

Fund laundry, kitchen, gym or EV charger equipment with fees spread over the asset life. Keeps capex off the balance sheet for some structures.

Bridging loans & development finance

Short-term capital to buy or refurbish while longer-term finance is arranged. Development finance supports staged projects with drawdown schedules.

Energy-efficiency & green hospitality loans

Specialist lenders and grant-backed options exist for solar PV, heat pumps and other ESG projects — often with favourable terms or grant co-funding.

Representative rates and fees vary by lender and hotel profile. Brokers will outline costs clearly when matched. Ready to compare offers? Free Eligibility Check.

Hotel loan eligibility: what lenders look for

• Trading history and management accounts (typically 12–24 months preferred for many lenders).
• Occupancy metrics: RevPAR, ADR and occupancy trends — lenders want to see recovery and demand evidence.
• Forecasts and business plans for start-ups or recently acquired hotels (some lenders will consider robust forecasts and guarantees).
• Security and collateral availability (property, business assets or director guarantees).
• Credit profile & director history — adverse items are considered but alternative lenders may still help.

Even hotels with recent changes or refusals may still access funds via alternative lenders and specialist brokers we introduce. Check eligibility quickly: Get Started Free Eligibility Check.

How Fast Business Loans connects your hotel with finance

1. Complete our short enquiry (takes under 2 minutes; no cost, no obligation).
2. We match your details to brokers and lenders who specialise in hospitality finance.
3. Partners contact you—usually within hours—to discuss tailored options and next steps.
4. Compare offers and proceed only if a deal fits your needs; our introductions do not perform credit checks at enquiry stage.

No hard credit search when enquiring; partners will explain when a credit check is needed. Start now: Get Quote Now.

Why UK hotels trust Fast Business Loans

• Speed: quick matching to hospitality-experienced lenders.
• Sector knowledge: we know what lenders expect from hotels (RevPAR, ADR, CMS/PMS integration evidence).
• Wide panel: mainstream banks, challenger banks, specialist hospitality financiers and broker partners.
• Transparency: plain English introductions; partners disclose fees and terms.
• Free & obligation-free: our service costs you nothing; you decide whether to progress.

Ready to explore what’s available? Get Your Free Eligibility Check.

Success snapshot: Boutique hotel refurbishment funding

A 28-room boutique hotel needed staged funding for a phased £250,000 refurbishment while keeping guest services running. Fast Business Loans introduced a hospitality broker who arranged a blended package: a short-term bridging facility to start works and an asset-backed term loan for later drawdowns. Work completed on schedule with improved room rates and a measurable uplift in RevPAR within six months. Past outcomes do not guarantee future results; individual terms vary.

Costs, rates and responsible borrowing

Interest rates and fees depend on product, lender and hotel profile. Typical ranges (indicative only): unsecured loans higher than secured mortgages; bridging and merchant advances often attract premium pricing for speed and risk. Always ask for a full breakdown of APR, arrangement fees, early repayment charges and any ongoing fees. Consider term length, cashflow impact and total cost before proceeding.

Fast Business Loans is an introducer, not a lender, and does not provide regulated financial advice. Consider independent advice if unsure.

How to strengthen your hotel finance application

• Provide up-to-date management accounts and cashflow forecasts.
• Share occupancy and revenue KPIs (RevPAR, ADR) with month-by-month trends.
• Include booking engine/OTA data and forward bookings to support demand assumptions.
• Supply a short business plan outlining use of funds, expected returns and exit/repayment strategy.
• Gather supporting documents: leases, franchise agreements, supplier contracts and planning permissions where relevant.

Having these ready speeds lender assessment. When you’re ready, Start Your Enquiry — it takes less than 2 minutes.

Alternative or complementary funding routes for hotels

Consider government and local authority grants for energy-efficiency projects, green financing, equity investment, mezzanine finance or landlord contributions for major refurbishments. Availability varies by region and scheme status; partners introduced can advise on eligibility and alternatives.

Hotels business loans – FAQs

Can start-up or newly acquired hotels access finance?

Yes, some lenders and brokers specialise in funding new or recently acquired hotels. They typically require robust forecasts, a convincing business plan and may ask for security or director guarantees.

What loan amounts are available for hotels?

Through our network you can access funding from around £10,000 up to several million, depending on the product, security and lender appetite.

How quickly can funding be in place?

Speed varies: small unsecured facilities or merchant advances can complete in days; secured commercial mortgages and development finance often take weeks to months. Your matched partner will outline expected timelines.

Does submitting an enquiry affect my credit score?

No — submitting an enquiry with Fast Business Loans is a soft step and does not trigger a hard credit search. Partners may only perform credit checks later with your consent.

Do you support franchise or branded hotels?

Yes — many lenders understand franchise agreements and brand obligations. Provide franchise documentation to help underwriting.

Can we refinance existing hotel debt?

Refinance and consolidation options are available and depend on your current terms, arrears status and overall financial profile. Our partners can compare options to improve monthly cashflow or stretch terms.

Transparency, compliance and data security

Fast Business Loans is an introducer and not a lender; we do not provide regulated financial advice. We share enquiry details only with selected lender and broker partners who can assist with your request. We recommend you review any offer carefully, check full terms and seek independent advice if needed. Your data is handled securely in line with our privacy policy and only shared with partners who can help with your finance request.

Ready to explore hotel finance options?

If your hotel needs funding — from working capital to major refurbs — we can introduce you to lenders and brokers who specialise in hospitality. Our short enquiry takes less than 2 minutes, is obligation-free and starts with a soft, no-impact check. Get Started – Free Eligibility Check

For more industry-focused guidance on hospitality finance see our pillar resource on hotels business loans.

– What are the best business loan options for UK hotels? — For working capital many hotels use unsecured business loans, merchant cash advances or invoice/OTA receivables finance, while property purchases and refurbishments typically suit secured commercial mortgages, bridging or development finance.

– How much can my hotel borrow? — Funding is available from around £10,000 up to several million depending on product, security and your hotel’s financial profile.

– How quickly can we get funding? — Smaller unsecured loans or merchant cash advances can complete in days, while secured commercial mortgages and development or bridging finance usually take several weeks to months.

– Does submitting a Fast Business Loans enquiry affect my credit score? — No, the enquiry is a soft, no‑obligation step with no immediate credit impact, and any hard checks only occur later with your consent.

– What types of hospitality finance can you match us with? — We connect UK hotels to unsecured and secured loans, commercial mortgages, bridging and development finance, asset and equipment finance, invoice and OTA receivables finance, and energy‑efficiency/green funding.

– Can start-up or newly acquired hotels get finance? — Yes, some lenders will consider new or recently acquired hotels where you provide robust forecasts, a clear plan and appropriate security or guarantees.

– What can hotel finance be used for? — Typical uses include renovations and brand upgrades, seasonal working capital, site acquisition or expansion, PMS/technology and equipment purchases, bridging delayed receivables, and green upgrades like solar or heat pumps.

– What do lenders look at when assessing hotel loans? — Lenders focus on trading history, RevPAR/ADR and occupancy trends, forecasts and business plans, available collateral, and the credit profile of the business and directors.

– Do you charge for matching our hotel with lenders and brokers? — No, Fast Business Loans is free to use and there’s no obligation to proceed after seeing your options.

– How does the Fast Business Loans process work? — Complete a 2‑minute enquiry, get matched with hospitality‑experienced brokers and lenders who contact you quickly with tailored options, and proceed only if a quote suits your needs.