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.
Restaurant Business Loans & Finance Options
Summary: Fast Business Loans connects UK restaurants with specialist lenders and brokers to secure funding from £10,000 upwards for working capital, equipment, fit-outs, expansion and refinancing. Complete a short, no-obligation enquiry — it won’t affect your credit score — and we’ll match you to the best providers. Get Started — Free Eligibility Check.
Why Restaurants Need Fast, Flexible Finance
Running a restaurant means balancing front-of-house experience with back-of-house costs. Rising food prices, energy bills, staffing fluctuations and the need to refresh kitchens or dining areas mean cashflow can be unpredictable. According to sector research, a large proportion of hospitality operators report increased operating costs year-on-year, leaving many to seek short-term bridging or longer-term capital to stabilise and grow (source: UKHospitality industry surveys).
What does that mean for your restaurant? If you’re planning a refit, replacing ovens, launching a delivery service or covering seasonal peaks, the right finance can protect margins and help you invest where it counts.
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.
How Fast Business Loans Works for Restaurants
Fast Business Loans is a broker-matching service — we don’t lend. Our role is to connect restaurant owners with lenders and brokers who specialise in hospitality finance. Here’s the simple 4-step process tailored for restaurants:
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
- Quick Enquiry: Complete a short form (under 2 minutes) telling us what you need and about your business. This is an enquiry only — not a loan application.
- Targeted Matching: We match your request with selected lenders and brokers who understand restaurants and hospitality.
- Rapid Response: You’ll usually get contact from suitable partners quickly to discuss options and next steps.
- Compare & Decide: Review quotes, compare terms, and only proceed with the provider that fits your needs.
Finance Solutions We Can Introduce
Depending on your goals, we can introduce lenders or brokers offering a range of facilities. Below is a concise guide to common restaurant options — all typically arranged from £10,000 upwards.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
| Type of Finance | Typical Uses | Amount & Term (typical) |
|---|---|---|
| Working Capital Loans | Cover day-to-day cashflow, seasonal peaks, payroll, supplier bills | £10k–£500k, 6 months–5 years |
| Equipment & Fit-Out Finance | Ovens, refrigeration, hoods, POS, dining furniture, kitchen refits | £10k–£1m, lease or hire purchase over 2–7 years |
| Invoice & Receivables Finance | Unlock cash tied up in invoices or corporate events billing | Facility size varies with turnover; flexible drawdown |
| Merchant Cash Advance | Advance against card takings — useful for short-term cash needs | £10k–£250k, repaid via a share of daily card receipts |
| Asset Refinance | Release equity from property or high-value assets | Amounts depend on asset value and security |
| Expansion & Multi-site Funding | Acquire new sites, franchise roll-outs, major refurbishments | £50k–£5m+, terms tailored to project |
Each product has pros and cons: equipment finance preserves cash but may have higher overall cost; working capital loans are quick but require clear repayment plans. Speak to matched brokers to find what’s right for you.
Matching You with Lenders Who Understand Hospitality
Not all lenders understand the restaurant business. We focus on introducing you to partners who have experience with hospitality cashflows, seasonal trading patterns and equipment needs — so you spend less time explaining your business and more time comparing solutions.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Because we work with a panel of providers, you’re more likely to receive multiple offers and can compare rates, fees and repayment structures. This competitive view helps you pick a solution that manages cost and risk effectively.
Eligibility Snapshot & Documents Checklist
Typical lender expectations vary by product, but most will ask for:
- Company details, director(s) information and contact details
- Recent bank statements (usually 3–6 months)
- Management accounts or trading history (often 12 months+) — some partners support newer businesses
- Details of any existing finance or outstanding liabilities
- Evidence of premises licence (where applicable) and VAT returns if relevant
What if I’ve been declined before?
Declined applications are common. Different lenders have different underwriting criteria; we can match you to partners who specialise in cases with previous refusals, complex credit histories or seasonal businesses.
Free Eligibility Check — Get Quote Now
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.
Use of Funds: Real-World Scenarios
Here are representative scenarios that show how restaurants typically use finance and the potential benefit.
- Kitchen upgrade: Replacing old equipment reduces maintenance downtime and energy bills — financed equipment can pay for itself via operating savings.
- Refit to raise covers: Dining area refurbishment to attract new customers and increase average spend.
- Seasonal bridging: Short-term working capital to cover stock and staffing ahead of busy periods.
- Opening a second site: Multi-site funding to cover lease deposits, fit-out and initial working capital.
- Consolidating supplier debt: Refinance higher-cost balances into a single, manageable monthly repayment.
Each scenario needs a tailored product — we help match your plan to lenders who have supported similar projects.
Costs, Rates & Responsible Borrowing
Rates and fees depend on the lender, facility type, term, security and the business’s financial profile. Smaller unsecured facilities tend to carry higher rates than secured loans or asset finance.
Before proceeding, always:
- Compare APR, fees, early repayment charges and total cost of credit.
- Check affordability — how the repayment fits monthly cashflow.
- Request full terms in writing and take independent advice if unsure.
Fast Business Loans does not provide lending or regulated financial advice — we introduce you to providers who will outline costs and terms.
Why Choose Fast Business Loans for Restaurant Funding?
- Speed: Short enquiry, fast matching — many businesses hear back within hours.
- Sector knowledge: We prioritise partners who understand hospitality trading cycles and equipment needs.
- Free to use: Our service is free for business owners — there’s no obligation to proceed.
- Secure: Your details are shared only with selected lenders or brokers relevant to your enquiry.
Representative Success Snapshot
Representative scenario: A high-street bistro replaced ageing ovens using an equipment finance deal arranged through our partners. The restaurant paid a monthly amount aligned with increased cover capacity and saw lower maintenance costs — enabling them to increase service levels and margins. (Illustrative example.)
FAQs: Restaurant Business Finance
How quickly can I get funding?
Once matched, response times vary by lender. Some can issue offers within 24–72 hours; others, particularly for secured or larger facilities, may take longer depending on valuation and documentation.
Can start-up restaurants apply?
Yes — some partners specialise in start-up funding but will typically ask for a business plan, cashflow projections and evidence of industry experience.
Will submitting the form affect my credit score?
No — our enquiry does not affect your credit score. Lenders may undertake checks later if you choose to proceed.
What loan sizes are available?
We typically introduce businesses to facilities starting at £10,000 and up to several million for larger projects.
Do you charge businesses to use the service?
No. Our matching service is free for business owners. We may receive commission from a lender or broker if you take finance through them.
I’ve been declined before — can you help?
Possibly. Different lenders have different criteria; we can match you with partners who specialise in non-standard credit or sector-specific underwriting.
Ready to Explore Your Options?
Complete our short enquiry to receive bespoke matches to lenders and brokers who specialise in restaurant finance. It takes less than 2 minutes, is obligation-free, and will help you see what options are available for your business.
Compliance & Transparency
Important: Fast Business Loans is an introducer service — we do not lend or provide regulated financial advice. We connect your enquiry with selected lenders and brokers who may contact you with suitable options. Finance is subject to status, application and lender assessment. All financial promotions are intended to be clear, fair and not misleading.
For sector guidance, you might find our industry overview helpful: restaurants business loans.
1) What is Fast Business Loans and do you lend directly?
We’re a free UK introducer that matches restaurant owners with trusted lenders and brokers — we don’t lend or provide financial advice.
2) How quickly can restaurant finance be arranged?
Many lenders can issue offers within 24–72 hours after matching, with larger or secured facilities taking longer due to valuations and documents.
3) Will submitting an enquiry affect my credit score?
No — the enquiry is not a loan application and won’t affect your credit score; lenders may run checks only if you choose to proceed.
4) How much can a UK restaurant borrow and for how long?
Typical facilities start from £10,000 and can reach several million, with terms from around 6 months up to 7 years depending on the product.
5) What types of restaurant finance can you introduce?
We connect restaurants to working capital loans, equipment and fit-out finance, invoice finance, merchant cash advances, asset refinance and expansion/multi-site funding.
6) What can I use the funds for?
Common uses include cashflow support, kitchen upgrades, dining-area refits, opening a second site, launching delivery, and consolidating existing debt.
7) Can start-up or newly opened restaurants apply?
Yes — some partners fund start-ups, usually requiring a business plan, cashflow forecasts and relevant sector experience.
8) What documents do lenders typically ask for?
Expect company and director details, 3–6 months of bank statements, management accounts or trading history, details of existing finance, and VAT/premises licence where relevant.
9) Can you help if I’ve been declined before or have imperfect credit?
Often yes — we match you with hospitality-savvy lenders that consider previous refusals and non-standard credit profiles.
10) What will it cost and do you charge fees to use the service?
Our matching service is free and no-obligation, while interest rates and fees vary by lender, facility type, term and security, so always compare APR, fees and total cost.