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.
Pub Business Loans — Fast Finance Introductions for UK Publicans
Summary: If you run a pub and need funding for cash flow, refurbishment, equipment or expansion, Fast Business Loans connects you quickly with lenders and brokers who specialise in licensed hospitality. Our free enquiry is not a loan application and does not affect your credit score — it simply helps us match your business with the most suitable providers. Ready to see options? Get Started – Free Eligibility Check.
Why pubs turn to Fast Business Loans
Pubs face seasonal trading patterns, supplier commitments, licensing requirements and high upfront costs for fit-outs and equipment. Fast Business Loans helps publicans cut through the complexity by introducing them to lenders and brokers who specialise in hospitality finance. We don’t lend money or provide regulated financial advice — we match your business with potential funding partners so you can get tailored quotes quickly and compare your options.
Specialists in licensed hospitality finance
Our partners understand pub-specific matters such as wet sales seasonality, stock financing for draught and barrel systems, tie agreements, and cost expectations for kitchens, cellars and terraces. That sector knowledge improves the chance of finding a lender that sees your business the way you do.
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 our matching service works for pubs
- Complete a short enquiry with basic business details and the funding purpose.
- We review the information and match you with 1–3 lenders or brokers best suited to your need.
- Matched providers contact you to discuss terms and request further documents if needed.
- You compare offers and choose whether to proceed — there’s no obligation.
Submit Your Pub Finance Enquiry
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Finance solutions we can introduce for pubs
Working capital and cash flow loans for pubs
Short-term working capital helps cover seasonal dips, supplier bills, or unexpected costs. Typical facilities include short-term loans and overdrafts arranged for amounts from around £10,000 upwards. Terms and rates vary by lender — all offers are subject to status and affordability checks.
Refurbishment and fit-out funding for bars
From bar refurbishments to kitchen installations and beer garden upgrades, many lenders provide facilities sized to project scope. Refurbishment finance can be unsecured, asset-backed or structured alongside property finance for larger projects.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Brewery ties, barrel stock and supply finance
Stock and supplier finance help manage cash tied to barrels and keg purchases, especially for tied houses or seasonal demand peaks. Specialist lenders and brokers understand brewery agreements and can suggest solutions that reduce strain on day-to-day cash flow.
Equipment and cellar technology finance
Asset finance covers refrigeration, pumps, espresso machines and POS systems. Many deals allow you to spread cost with fixed monthly payments while preserving working capital.
Acquisition & expansion finance for multi-site operators
Buying an additional pub or expanding into multiple sites requires tailored commercial lending or blended finance. Lenders look at portfolio performance, management experience and valuation when assessing offers.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Refinance and consolidation options
Refinancing can lower monthly repayments or consolidate multiple debts into a single facility. Options depend on current liabilities, security available, and your objectives.
All finance is subject to lender approval and affordability checks. Check Your Pub’s Eligibility in Minutes
Typical borrowing scenarios we see from publicans
- Bridging seasonal cash flow gaps before peak summer or Christmas trading.
- Funding a refit to modernise the bar, install a kitchen or expand seating.
- Replacing cellar equipment, pumps or refrigeration with asset finance.
- Buying out a leasehold or funding a freehold acquisition as part of expansion.
- Covering compliance and safety upgrades (fire safety, accessibility).
Tell us about your plans and receive no-obligation introductions to suitable lenders. Get Quote Now
Eligibility basics for pub business finance
Trading history & business structure
Lenders typically assess limited companies and partnerships with a reliable trading record. Start-up operators may still access certain specialist products but will usually face stricter criteria or different funding routes.
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.
Turnover, profit and management information
Management accounts, VAT returns and till reports help demonstrate trading performance. Lenders consider turnover, margins and seasonality when assessing affordability.
Credit profile, CCJs & past lending
Many lenders will consider applications with adverse history, but options and rates can vary. Brokers in our panel often specialise in cases where a previous decline occurred.
Security & personal guarantees
Some products require property security or director guarantees while others are unsecured. Be clear on personal exposure before accepting any offer.
What to prepare
- Last 6–12 months bank statements
- Recent management accounts or VAT returns
- Details of the funding purpose and estimated costs
- Lease or freehold documentation (if relevant)
What sets Fast Business Loans apart for pub owners
- Sector expertise: We know licensed hospitality and the common finance needs of pubs.
- Speed: Quick introductions — many within hours during business times.
- Vetted partners: We select brokers and lenders experienced in pub finance.
- Free and no-obligation: Using our service costs you nothing and won’t commit you to proceed.
- Secure handling: Your details are shared only with matched partners to find suitable options.
Want to see how we’ve helped other pubs? Read more about our sector focus on our pubs business loans page.
Step-by-step: from enquiry to funding
- Complete a short enquiry form — it takes a few minutes and isn’t a credit application.
- We review and make targeted introductions to lenders or brokers.
- A broker or lender contacts you to discuss terms and request documents.
- Offers received — compare costs, terms, security and timelines.
- Choose an offer and progress to formal application with the lender.
- Funds released following lender due diligence and any valuations.
Typical timelines vary: introductions within hours, offers in days to weeks depending on complexity. Free Eligibility Check
Responsible lending & transparency commitment
Fast Business Loans is an introducer — not a lender or regulated financial adviser. We connect you with lenders and brokers who can provide finance and detailed product information. We expect our partners to treat customers fairly and to perform affordability checks before offering credit.
Always read full terms and seek independent advice if you are unsure. Finance is subject to status, terms and affordability checks. Your data is handled in line with our privacy policy.
Frequently Asked Questions for Pub Finance
Can Fast Business Loans help if my pub has seasonal trading dips?
Yes — we match you with lenders who understand seasonal patterns and can offer short-term bridging or working capital solutions.
What loan amounts are typical for a pub refurbishment?
Common refurbishment projects often fall between £25,000 and £350,000, but amounts vary by project and lender.
Will making an enquiry affect my credit score?
No. Making an enquiry through our service does not trigger a credit search. Lenders may run checks only if you choose to proceed.
Do you work with tied houses and freehouses?
Yes. We introduce you to providers who have experience with both tenancy models and the finance implications of brewery ties or freehold ownership.
How long before I hear from someone?
Introductions are usually made within hours during business times; the speed of an offer depends on the lender’s process and the information you supply.
Resources for pub owners managing finance
- GOV.UK – Business finance support — government guidance on finance options and support schemes.
- UKHospitality — industry guidance and sector updates.
- British Beer & Pub Association — trade resources and sector insight.
Start your pub finance enquiry
Fast Business Loans makes it simple: tell us what you need, we introduce you to lenders and brokers who can help. You’ll receive tailored contact from those providers — there’s no obligation and your enquiry won’t affect your credit file. We commonly introduce finance from £10,000 upwards.
- Quick: form takes minutes
- Free: no cost to you
- Confidential: shared only with matched partners
– What is a pub business loan and how does Fast Business Loans help?
A: We’re an introducer that matches UK pub owners with specialist lenders and brokers for working capital, refurbishment, equipment or expansion finance via a free, no‑obligation eligibility enquiry.
– Will submitting a pub finance enquiry affect my credit score?
A: No, our enquiry is not a loan application and won’t trigger a credit search; lenders may check your credit only if you choose to proceed.
– How much can I borrow for a pub refurbishment?
A: Refurbishment finance for pubs typically ranges from about £25,000 to several hundred thousand pounds, subject to lender criteria and valuation.
– How quickly can UK pub owners get funding?
A: We usually make introductions within hours during business times, with offers arriving in days to weeks depending on due diligence, valuations and documents supplied.
– Do you help pubs with seasonal trading dips or short-term cash flow gaps?
A: Yes, we match publicans to lenders offering short-term working capital or bridging facilities tailored to seasonality.
– Are pub business loans secured or unsecured, and will I need a personal guarantee?
A: Some products are unsecured while others require property security or director guarantees, and we’ll match you to options that suit your situation.
– Do you work with tied houses as well as freehouses?
A: Yes, our partners understand brewery tie agreements and freehold models and can arrange stock, supplier or general pub finance accordingly.
– What documents should I prepare for a pub finance application?
A: Prepare 6–12 months of bank statements, recent management accounts or VAT returns, details of the funding purpose and any lease or freehold documents.
– Can I get pub finance with adverse credit or a previous decline?
A: Many lenders on our panel will consider CCJs or imperfect credit, though rates and terms will vary based on risk and affordability.
– Does it cost anything to use Fast Business Loans and am I obliged to proceed?
A: The service is free, there’s no obligation to continue, and you decide whether to proceed after comparing offers from matched providers.