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.
Hotels Business Loans: Match with Trusted UK Lenders Fast
Summary: If you run a hotel in the UK and need funding — from seasonal cashflow or equipment finance to refurbishment or property finance — Fast Business Loans helps you quickly find lenders and brokers likely to fund your project. We’re an introducer (not a lender) that matches hotels to specialist finance partners. Complete a short, no‑obligation enquiry to receive a free eligibility check and tailored contact from lenders/brokers. Get Your Free Eligibility Check.
Why Hotels Turn to Fast Business Loans
Hotel operators use Fast Business Loans because finding the right finance partner can be time‑consuming and technical. We make the connection process fast and targeted so you can focus on running your business.
- Save time — we match you to lenders/brokers who understand hospitality.
- Sector knowledge — partners familiar with occupancy metrics, seasonality and RevPAR.
- Transparent — the enquiry is free and non‑binding; we introduce you to potential funders only.
- Confidential — we share details only with selected partners able to help.
Start Your Enquiry – No Obligation
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.
Common Funding Challenges for UK Hotels
Seasonal cashflow gaps
Many hotels face significant revenue swings between high and low seasons. Lenders commonly consider average occupancy, ADR (average daily rate) and historical cashflow patterns when assessing short‑term working capital or overdraft facilities.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Refurbishment & fit‑out costs
Renovations often require phased funding: design, contractor deposits, and final fit‑out. Lenders may offer refurbishment loans, development finance or asset finance depending on scope and security offered.
Upgrading tech, guest amenities & sustainability compliance
Investment in booking systems, contactless tech, EV chargers or energy improvements can qualify for specialist equipment or sustainability loans. Highlighting projected efficiency gains can strengthen applications.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Finance Solutions Available Through Our Panel
Below is a quick comparison of typical finance types hotels use. Exact terms and availability depend on the lender you’re matched with.
| Finance Type | Typical Use for Hotels | Indicative Amount | Security Required |
|---|---|---|---|
| Unsecured Business Loan | Working capital, small refurbishments, cashflow | £10,000 – £250,000 | No (often PGs may be requested) |
| Commercial Mortgage | Purchase or refinance of hotel property | £250,000 – £5M+ | Yes (property charge) |
| Asset & Equipment Finance | Furnishings, kitchen/catering kit, EV chargers | £10,000 – £500,000 | Secured on asset |
| Invoice Finance | Unlock money from corporate bookings or events | £25,000 – £1M+ | Receivables used as security |
| Merchant Cash Advance | Immediate cash for stock or payroll | £10,000 – £200,000 | No (repayment via card takings) |
| Refinance / Consolidation | Reduce monthly payments, restructure debt | Varies | Depends on structure |
Discover which option fits your hotel best — Get Started.
Eligibility Snapshot & What Lenders Look For
Lender criteria vary, but common factors include:
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
- Trading history & occupancy metrics: 12–36 months trading data preferred for many lenders; some specialist brokers accept limited trading for acquisitions with strong business plans.
- Management accounts & cashflow forecasts: Clear forecasting for seasonal dips is essential.
- Collateral & business assets: Property or equipment can secure larger or lower‑rate facilities.
- Owner/director profile: Credit history and experience in hospitality affect terms; personal guarantees may be requested.
Information supplied is guidance only — lenders will make their own assessments.
How Our Fast Matching Process Works
- Complete our short enquiry form — it takes around two minutes. (No obligation, no credit impact.)
- We assess your needs and match you to lenders and brokers who specialise in hotel finance.
- Selected partners contact you with options, enquiries and any document requests.
- Compare offers, agree terms directly with the lender/broker, and proceed to funding.
Preparing a Strong Application Package
Make it easy for lenders to assess your request — a well‑prepared pack speeds decisions.
- Latest management accounts (profit & loss, balance sheet).
- Occupancy, ADR and RevPAR figures for the last 12–36 months.
- Cashflow forecast showing seasonal peaks and troughs.
- Detailed quotes for refurbishment or equipment purchases.
- Business plan or executive summary for expansion or acquisition finance.
- Copies of relevant licences and brand affiliation letters (if applicable).
Privacy & security: Documents you provide are handled securely and shared only with relevant partners for 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.
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.
Cost Considerations & Responsible Borrowing
Costs vary by provider, loan type and security. Typical elements to compare:
- Interest rate and whether it’s fixed or variable.
- Arrangement, valuation and legal fees.
- Repayment structure (monthly, seasonal, balloon payments).
- Early repayment charges and penalties.
Always compare total cost of borrowing and affordability. Fast Business Loans introduces lenders and brokers — we do not provide regulated financial advice. If you need tailored advice, consider an FCA‑regulated adviser.
Case Snapshots: Hotels We’ve Helped
Boutique Coastal Hotel — Refurbishment Funding
Challenge: ageing rooms needed a phased refurbishment to improve rates before peak season. Solution: matched to a broker who arranged an asset & refurbishment loan secured against the property. Outcome: phased works completed in six months; ADR rose 18% within the first season.
City Branded Hotel — Working Capital & Tech Upgrade
Challenge: poor cashflow during off‑peak months and legacy booking system. Solution: invoice finance plus equipment finance for a new PMS and contactless check‑in kiosks. Outcome: improved liquidity and a 12% reduction in administrative costs.
Tips to Improve Approval Odds
- Keep occupancy and revenue metrics up to date and easy to read.
- Prepare a realistic cashflow forecast, showing seasonal scenarios.
- Document any energy‑saving or ESG initiatives — lenders increasingly value sustainability plans.
- Resolve basic credit issues where possible before applying.
- Be clear about why you need the funds and how you will repay them.
Frequently Asked Questions
Can newly acquired hotels apply?
Yes. Many brokers and lenders consider recently acquired hotels if the purchase plan, cashflow forecasts and management experience are strong. Availability depends on the lender.
What loan amounts can hotels expect?
We typically see opportunities from around £10,000 for smaller finance up to several million pounds for property or development finance — actual offers depend on lender criteria and security.
Do lenders fund refurbishments or extensions?
Yes. There are lenders and specialist brokers who provide refurbishment and development finance. Details depend on planning, scope and the hotel’s financials.
Is a personal guarantee required?
Some lenders may request a personal guarantee, especially for unsecured lending or where the business has limited assets. Requirements vary by lender and deal structure.
How fast can funds be released?
Timescales vary: unsecured and merchant finance can complete in days; asset finance may take weeks; property‑backed loans usually take longer due to valuations and legal work.
Will submitting an enquiry affect my credit score?
No — completing our initial enquiry does not impact your credit score. Lenders may perform checks later if you choose to proceed with an offer.
Take the Next Step for Your Hotel
Fast Business Loans helps you reach the lenders and brokers most likely to fund your hotel project. Our service is fast, confidential and free to use. Ready to see tailored options?
Get a Free Hotel Finance Match
Note: Fast Business Loans is an introducer that connects you with lenders and brokers — we do not lend money or provide regulated financial advice. Lender decisions, terms and fees vary and are subject to assessment.
Disclaimer
This page is for general information only and does not constitute financial advice. All finance is subject to lender approval and terms. Please consider independent advice if you need personalised guidance. For details on how we handle your information, see our privacy policy and terms.
– How do UK hotels start a funding request with Fast Business Loans?
Submit the quick, free enquiry form (not a loan application) and we’ll match your hotel with specialist UK lenders and brokers—Fast Business Loans is an introducer, not a lender.
– Is the enquiry a loan application, and will it affect my credit score?
No—your initial enquiry is just an eligibility check and won’t impact your credit score; credit checks happen only if you proceed with a lender.
– What types of hotel finance can you match me with?
We connect hotels to unsecured business loans, commercial mortgages, asset and equipment finance, invoice finance, merchant cash advances, and refinancing options.
– How much can a hotel borrow?
Typical facilities range from about £10,000 for smaller needs up to multi‑million‑pound property or development finance, subject to lender criteria and security.
– How quickly can hotels get a decision or funding?
Many partners respond within 24 hours, with unsecured or merchant options funding in days and property‑backed loans taking longer due to valuations and legal work.
– What are the key eligibility criteria for hotel business loans?
Lenders commonly assess trading history, occupancy/ADR/RevPAR, cashflow forecasts, credit profile, collateral, and the management team’s hospitality experience.
– Do I need security or a personal guarantee for hotel finance?
It depends on the product—unsecured loans often require a personal guarantee, while larger sums may be secured against property or business assets.
– Can newly acquired or start‑up hotels get finance?
Yes—some specialist brokers consider newly acquired or limited‑trading hotels where the purchase plan, forecasts, and management experience are strong.
– Can I get funding for refurbishments, tech upgrades, sustainability or seasonal cashflow?
Yes—options include refurbishment or development finance, asset/equipment finance for PMS or EV chargers, and cashflow tools like invoice finance or merchant cash advances.
– What documents should I prepare and what costs should I expect?
Prepare management accounts, 12–36 months of occupancy/ADR/RevPAR, cashflow forecasts, quotes and licences, and compare total cost including interest, arrangement/valuation/legal fees, repayment structure (e.g., seasonal), and any early‑repayment charges.