Our Business Finance Matching Process
Step 1
Complete Your Details
It takes just 1 minute on average to complete your business and contact details.
Step 2
We Match Your Business
With the best business finance broker or lender most suitable for your needs.
Step 3
You Get Free Quote + Advice
You receive a free quote along with complimentary expert financial advice.
It’s fast and free to get a quote from one of the UK’s leading finance brokers / lenders who will contact you directly with your quote/s.
Hotel Business Loans – Fast Funding Connections for UK Hospitality
Summary: Fast Business Loans helps UK hotel owners quickly find and compare hotel finance options by matching businesses with specialist lenders and brokers. Our free, no-obligation enquiry is not a loan application and will not affect your credit score. Complete a short eligibility check to be matched to lenders who may be able to help with working capital, refurbishments, acquisitions and sustainability projects. Get Started – Free Eligibility Check
Need Hotel Finance Quickly? You’re in the Right Place
Running a hotel involves seasonal peaks, fluctuating occupancy and regular capital needs. Whether you need short-term working capital ahead of a busy season, funding for a soft or full refurbishment, or bridge finance to complete an acquisition, Fast Business Loans connects hotel owners with lenders and brokers who specialise in hospitality.
We’re an introducer — we don’t lend — and our service is free and without obligation. Complete a quick enquiry and we’ll match you to partners that best fit your circumstances. Start Your Enquiry
Our Business Finance Matching Process
Step 1
Complete Your Details
It takes just 1 minute on average to complete your business and contact details.
Step 2
We Match Your Business
With the best business finance broker or lender most suitable for your needs.
Step 3
You Get Free Quote + Advice
You receive a free quote along with complimentary expert financial advice.
It’s fast and free to get a quote from one of the UK’s leading finance brokers / lenders who will contact you directly with your quote/s.
UK Hotel Industry Snapshot & Common Funding Challenges
The hospitality sector faces volatility: seasonality, staffing and energy costs, changing guest expectations and rising investment in sustainability features like EV charging and heat pumps. Recent industry trackers show occupancy and RevPAR can swing significantly between low and high seasons, putting pressure on cash flow planning.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
- Seasonal cash flow gaps before peak months.
- Refurbishment and brand-standard upgrades (soft and hard refurb).
- Investment in sustainability and guest experience (solar, heat pumps, tech).
- Acquisitions, refinancing or short-term bridging for chain conversions.
These challenges mean hotel owners often need tailored funding solutions — fast. Fast Business Loans helps you find lenders and brokers who understand these sector specifics.
Why Hotels Choose Fast Business Loans
Specialist hospitality insight
We work with brokers and lenders experienced in both independent and franchise hotels. They understand metrics like occupancy, ADR and RevPAR and how these feed into lending decisions.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Faster responses, less admin
Our short enquiry takes under two minutes. We match you quickly so you only speak to partners likely to be able to help.
Transparent, no-pressure service
There’s no fee to use our service and submitting an enquiry is not a loan application. You’re under no obligation to proceed with any lender we introduce.
Broad funding range
We connect hotels seeking funding from around £10,000 upwards for uses including working capital, equipment and property finance.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Finance Solutions Available for Hotels
Below are common funding types hotel operators use. Which is right depends on your purpose, security available and repayment plans. For bespoke guidance, submit a quick enquiry so we can match you to suitable lenders or brokers.
Unsecured business loans
Short-term working capital prior to peak season, payroll bridging, marketing campaigns.
Commercial mortgages & property refinance
Purchase or refinance of hotel property, long-term financing aligned to asset life.
Our Business Finance Matching Process
Step 1
Complete Your Details
It takes just 1 minute on average to complete your business and contact details.
Step 2
We Match Your Business
With the best business finance broker or lender most suitable for your needs.
Step 3
You Get Free Quote + Advice
You receive a free quote along with complimentary expert financial advice.
It’s fast and free to get a quote from one of the UK’s leading finance brokers / lenders who will contact you directly with your quote/s.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Our Business Finance Matching Process
Step 1
Complete Your Details
It takes just 1 minute on average to complete your business and contact details.
Step 2
We Match Your Business
With the best business finance broker or lender most suitable for your needs.
Step 3
You Get Free Quote + Advice
You receive a free quote along with complimentary expert financial advice.
It’s fast and free to get a quote from one of the UK’s leading finance brokers / lenders who will contact you directly with your quote/s.
Bridging & development finance
Short-term bridge while converting, refurbishing or awaiting long-term finance.
Asset & equipment finance
Fund kitchens, laundry, furniture or EV chargers with repayments matched to asset life.
Invoice finance & merchant cash advance
Improve liquidity by unlocking unpaid invoices or borrowing against future card takings.
Sustainability & ESG funding
Finance energy-saving upgrades like solar PV, insulation or heat pumps — often with dedicated lenders or green finance products.
Hotel Finance Options at a Glance
| Finance Type | Typical Uses | Potential Funding Range | Indicative Term |
|---|---|---|---|
| Unsecured Business Loan | Short-term cashflow, staffing, marketing | From £10,000 | 1–5 years |
| Commercial Mortgage | Property purchase/refinance | £100k – £5m+ | 5–25 years |
| Bridging Finance | Purchase completion, renovation gaps | £50k – £2m+ | Days–12 months |
| Asset Finance | Kitchen equipment, furniture, EV chargers | £10k – £500k | 2–7 years |
| Invoice / Merchant Finance | Improve liquidity from sales or invoices | Varies with turnover | Short-term / ongoing |
For more sector-specific reading about financing hotels and hospitality projects, see our detailed industry guide on Hotels Business Loans.
How Our Matching Process Works for Hotel Owners
- Complete a quick enquiry form (takes less than 2 minutes).
- We match your request to selected lenders and brokers with hospitality expertise.
- A matched partner contacts you to discuss tailored options — this is where formal checks may occur.
- Compare options and decide — there’s no obligation to proceed.
Submitting an enquiry does not perform a credit search or affect your credit score.
Hotel Loan Eligibility: What Lenders Usually Consider
Trading profile
Years trading, turnover, occupancy rates and seasonal patterns. Lenders want to see an operating track record for most products.
Financials & security
Recent accounts, management accounts, P&L, and any security you can offer (property, assets).
Credit history & commitments
Existing debts, director credit profiles and transparency about previous borrowing.
Purpose & repayment strategy
Clear use of funds, projected uplift to revenues (e.g., after refurb) and contingency planning for seasonality.
Documents typically requested:
- Latest 2–3 years’ accounts (or management accounts for newer businesses).
- VAT returns and bank statements.
- Business plan or short project summary for refurb/acquisition.
- Supplier quotes for capital projects.
Criteria vary by lender — matching improves probability but does not guarantee an offer.
Preparing a Strong Hotel Finance Application
Good preparation speeds approvals and improves terms. Key steps:
- Have clear management accounts showing occupancy and RevPAR trends.
- Prepare a short, realistic forecast showing how funds will be repaid (seasonal sensitivity included).
- Collect supplier quotes and project timelines for refurb or capex requests.
- Be transparent about historic arrears or defaults — brokers can help find suitable lenders.
Need help pulling documents together? Speak to a hospitality broker via our service. Get Quote Now
Real-World Hotel Funding Scenarios (Illustrative)
Example 1 — Boutique refurb
£250,000 asset and equipment finance used to upgrade rooms and the kitchen. Repayments matched to improved occupancy after reopening; broker arranged staged funding to align with works.
Example 2 — Franchise acquisition
Short-term bridging loan to complete purchase, then converted to a commercial mortgage with an interest-only period during ramp-up.
Example 3 — Seasonal working capital
Merchant cash advance ahead of peak season to pay staffing and stock, repaid from increased card takings over the following months.
These are anonymised examples for illustration only; outcomes vary by lender and business circumstances.
What Happens After You Submit an Enquiry?
Expect contact within hours during business hours. A matched lender or broker will call or email to understand your requirements in more detail. You remain under no obligation and can ask questions to compare options.
We handle your data securely and only share it with partners relevant to your enquiry. Completing the enquiry does not perform a credit check.
Frequently Asked Questions: Hotel Finance with Fast Business Loans
Are you a lender?
No. We introduce businesses to lenders and brokers who provide finance directly.
What minimum and maximum loan sizes do you support?
Our partners typically consider requests from around £10,000 upwards. Larger commercial mortgages and development finance can range into millions depending on lender appetite.
Will applying affect our credit score?
No. The initial enquiry does not affect credit scores. Lenders may carry out credit checks only with your permission during a formal application stage.
How quickly can funds be received?
Timescales vary: simple unsecured loans or merchant advances can complete in days to a few weeks; commercial mortgages and development finance usually take longer depending on valuations and due diligence.
Do you work with both independent and franchised hotels?
Yes. We connect with partners who have experience with franchise conversions, branded upgrades and independent operations.
Is there a fee to use Fast Business Loans?
The service is free for business owners to submit an enquiry. Any broker or lender fees will be confirmed by them before you proceed.
Compliance, Transparency & Responsible Finance
Fast Business Loans is an introducer that connects businesses with lenders and brokers. We do not make lending decisions or provide regulated advice. All offers are subject to lender assessment and terms. We aim to be clear and not misleading — submit an enquiry only when you want to explore options. Submitting an enquiry will not affect your credit score. Lenders may conduct credit checks if you choose to proceed with an application.
Information is provided for guidance only and is not a substitute for professional advice. Consider independent financial or tax advice where appropriate.
Ready to Explore Hotel Finance Options?
If you need funding for refurbishment, acquisition, working capital or sustainability upgrades, start with a quick, free eligibility check. We’ll match you to lenders and brokers who understand hospitality and can respond fast.
Get Your Tailored Hotel Finance Quotes – Free Eligibility Check
Prefer to discuss first? Complete the enquiry and request a callback from a hospitality specialist; there’s no obligation to proceed.
1) What is Fast Business Loans and do you lend to hotels directly?
Fast Business Loans is a free UK introducer that matches hotel owners with specialist lenders and brokers; we don’t lend or give financial advice.
2) Will submitting your hotel finance enquiry affect my credit score?
No—our enquiry is not a loan application and won’t affect your credit score; lenders may run checks only if you choose to proceed.
3) How much can UK hotels borrow through your network?
Our partners typically consider funding from around £10,000, with property-backed facilities like commercial mortgages and development finance potentially reaching into the millions, subject to assessment.
4) How quickly can hotel funding be approved and paid out?
Unsecured loans or merchant cash advances can complete in days to a couple of weeks, while bridging, refinance and commercial mortgages usually take longer due to valuations and legal work.
5) What types of hotel finance can you help me access?
We connect hotels to unsecured business loans, commercial mortgages/refinance, bridging and development finance, asset and equipment finance, invoice finance, merchant cash advances, and green/sustainability funding.
6) What are the typical eligibility criteria for hotel business loans?
Lenders assess trading history, turnover, occupancy/ADR/RevPAR trends, financials and available security, credit profile, and a clear purpose with a realistic repayment plan.
7) What documents will lenders usually ask for?
Expect to provide 2–3 years’ accounts (or management accounts), recent bank statements and VAT returns, a short business plan or project summary, and supplier quotes for refurbishments or capex.
8) Do you charge fees, and what will a hotel loan cost?
Our matching service is free and no-obligation; any broker or lender fees and full costs will be disclosed by the provider before you proceed.
9) Do I need security or a personal guarantee for hotel finance?
Some options are unsecured, but larger facilities—especially commercial mortgages, refinance or development loans—often require property or asset security and personal guarantees.
10) Can you help independent and franchised hotels, including new or previously declined businesses?
Yes—our panel includes hospitality specialists who work with independents, franchises and newer hotels (or those previously declined), though approval and terms depend on lender assessment.