Hotels business loans — Practical hotel finance options for UK hoteliers

Summary: Fast Business Loans helps UK hotels find the right finance quickly. We match hotel owners and operators with lenders and brokers who offer term loans, asset finance, invoice finance, bridging and sustainability funding for refurbishments, expansion and cashflow. Completing our enquiry is free, non‑binding and does not itself affect your credit score. Get a rapid, no‑obligation eligibility check and be put in touch with the best-suited providers. Get Started – Free Eligibility Check

Why hotels seek finance right now

Many UK hoteliers are pursuing funding to respond to shifting customer demand, rising operating costs and opportunities to upgrade. Energy and staffing costs, the growth of sustainable guest expectations and a competitive accommodation market mean that targeted investment — whether a refurbishment, energy-saving upgrade or working capital to smooth seasonal swings — can deliver a fast return.

Here’s the thing: timing matters. A well-timed refurbishment before peak season, or a short-term cashflow loan to cover seasonal staff costs, can protect revenue and reputation.

Ready to explore options? Free Eligibility Check — takes less than 2 minutes. No obligation.

Financial challenges unique to hotels

• Occupancy volatility: RevPAR and ADR can swing with seasons and local events.
• Refurbishment cycles: Guest expectations require regular investment in rooms, F&B and public areas.
• High fixed costs: Utilities, staffing and insurance are substantial and rising.
• OTA commission squeeze: Heavy reliance on third-party channels affects margins.

Understanding these challenges helps lenders match the right product to your needs — whether that’s asset finance, a bridging loan, or short-term working capital.

Funding solutions available through our lender network

We match hotels with lenders and brokers offering a broad range of hotel finance options. Below is a compact comparison to show where each product typically fits.

Short descriptions

Term loans: Good for multi-year investments such as room refurbishments or acquisitions.

Asset finance: Spread the cost of equipment with repayments aligned to the asset’s useful life.

Invoice finance: Ideal where corporate or group bookings create large receivables.

Interested? Get a tailored match: Get Quote Now.

How lenders assess hotel finance applications

Lenders look beyond your loan purpose. Expect them to review operational metrics and documentation that demonstrate your hotel’s trading strength.

Common lender metrics and documents:

• RevPAR (Revenue per available room) and ADR (Average daily rate)
• Occupancy trends (seasonal and year-on-year)
• Trading history (management accounts, P&L, balance sheet)
• EBITDA and cashflow forecasts
• Security offered (property, assets) and personal/ corporate guarantees
• Management experience and CVs — lenders care who runs the business

Checklist for lenders (quick): management accounts, bank statements (3–6 months), copy of invoices or contracts for corporate bookings, asset lists and valuation estimates, refurbishment or business plans where relevant.

How Fast Business Loans makes hotel funding simple

We act as an introducer — not a lender. Our job is to connect you to lenders and brokers who specialise in hospitality finance so you can quickly compare realistic options.

1. Quick enquiry: Tell us a few details about your hotel and funding need. It takes under two minutes. Get Started – Free Eligibility Check
2. Match: We match your enquiry with lenders and brokers who understand hotels.
3. Discuss: A matched lender/broker will contact you to discuss indicative offers and next steps.
4. Decide: Compare offers and proceed with the provider that best fits your terms. There’s no obligation to accept any offer.

Important: submitting an enquiry does not itself affect your credit score. Lenders may run checks only if you decide to proceed with an offer.

Common hotel funding scenarios we support

Prepare your hotel for a strong finance application

Getting organised speeds approvals and can improve terms. Collect the following before you enquire:

• Recent management accounts (12–24 months if available)
• Bank statements (3–6 months)
• Proof of corporate bookings or contracts
• Cashflow forecast showing the impact of the proposed funding
• Refurbishment plans, cost estimates and contractor quotes
• List and photos of assets if applying for asset finance (with estimated values)

Pro tip: clear, realistic forecasts and a succinct project plan reduce friction and speed decision-making.

Costs, rates & repayment considerations

Rates and fees vary by lender, product, security and the hotel’s financial position. Below are indicative ranges (for illustration only):

• Term loans: from mid-single digits up to high teens APR depending on security and profile.
• Asset finance: typically cost is comparable to a term loan but secured on the asset; deposit may be required.
• Invoice finance: fees and advance rates depend on debtor quality; facility fees and service charges may apply.
• Bridging finance: higher rates and arrangement fees; intended for short-term bridging only.

Rates and terms are indicative only and depend on individual circumstances. We do not provide financial advice — our role is to introduce you to lenders and brokers who can provide tailored pricing and detailed terms.

Want indicative pricing? Submit a short enquiry: Get Quote Now.

Responsible hospitality financing — what to watch for

Compare offers carefully. Look beyond headline rates to:

• Arrangement, broker and early repayment fees
• Payment schedules and whether repayments are fixed or turnover-linked
• Security requirements and potential personal guarantees
• Any seasonal repayment flexibility

Ask lenders for a full costs breakdown and an example repayment schedule. If something is unclear, request clarification before signing.

Start your hotel finance enquiry today

Fast Business Loans is free to use and designed to save you time. Complete our short enquiry and we’ll match you with lenders and brokers who understand hotel finance.

Get Started – Free Eligibility Check — takes less than 2 minutes. No obligation. No payment to Fast Business Loans for the introduction.

FAQs about hotels business loans

Important information & compliance

Fast Business Loans is an introducer that connects businesses with lenders and brokers. We do not lend or provide regulated financial advice. Our service is free to businesses and there is no obligation to proceed after being matched.

All financial promotions must be clear, fair and not misleading. We aim to provide accurate and balanced information to help you make an informed decision. Rates and terms shown on this page are indicative only and subject to individual assessment by lenders.

We process the details you provide only to match you with suitable finance partners. By submitting an enquiry you consent to being contacted by matched providers. For privacy details, please see our privacy policy on the site.

Learn more about typical hotel finance approaches on our main Hotels hub: Hotels business loans.

– What types of hotel finance can UK hoteliers access through Fast Business Loans?
You can be matched with term loans, asset finance, invoice finance, merchant cash advances, bridging/development finance and green/sustainability loans tailored to hotels.

– Is the online enquiry an application, and will it affect my credit score?
No—it’s a free, no‑obligation eligibility check (not a loan application) and it doesn’t itself affect your credit score; credit checks happen only if you proceed with an offer.

– How quickly can a hotel receive funds after submitting an enquiry?
You’ll typically hear from a matched lender or broker within hours, with simple facilities funding in days and property or development finance taking longer.

– What can hotel business loans be used for?
Common uses include refurbishments, fit‑outs, expansion, equipment purchases, working capital for seasonal cashflow, and energy‑efficiency upgrades.

– What loan amounts are available for hotels?
Partners on our panel can help with funding from around £5,000 to several million pounds, subject to lender criteria and your circumstances.

– What information and metrics do lenders look for when assessing a hotel finance application?
Lenders typically review RevPAR, ADR, occupancy trends, management accounts, bank statements, forecasts, security available and management experience.

– Do you support independent hotels, groups and franchises, including new or recently refurbished sites?
Yes—both single‑site and multi‑site operators (including newly opened or recently refurbished hotels) can be matched, with strong forecasts and bookings helping eligibility.

– What interest rates and fees do hotels typically pay?
Indicative costs range from mid‑single digits to high‑teens APR for loans (bridging is higher), with exact rates and fees dependent on security, profile and product.

– What security or guarantees are usually required for hotel finance?
Requirements vary by product and can include property or asset security and personal/corporate guarantees, while merchant cash advances repay via card takings.

– Do you provide finance for green and sustainability upgrades at hotels?
Yes—specialist lenders offer sustainability loans for projects like solar PV, heat pumps, EV chargers and insulation, often with preferential terms.