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.
Pubs Business Loans: Find Finance Fast With Trusted UK Lenders
Summary: Fast Business Loans helps UK pub owners secure business finance quickly by matching you — free and with no obligation — to lenders and brokers suited to the licensed trade. We’re a matching service, not a lender or advice firm. Complete a short enquiry to get a Free Eligibility Check and tailored introductions to partners who can provide loans and finance from around £10,000 upwards. Start your Free Eligibility Check.
Fast Business Loans is a matching service. We are not a lender and do not offer financial advice. Enquiry is not an application.
Why pub owners choose Fast Business Loans
Finding the right lender for a pub can be time-consuming. We speed that process up by matching your pub with lenders and brokers that understand hospitality and licensed trade finance. Our service is free, quick and no-obligation — the enquiry is used only to find suitable partners.
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.
Sector-savvy lending partners
We work with a panel of lenders and brokers experienced in funding hospitality businesses — from family-run village pubs to multi-site operators. This sector knowledge helps when lenders assess seasonal revenues, tied agreements or refurbishment plans.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Fast, free, no-obligation matching
Our four-step matching process is designed to be simple: short enquiry, sector-aligned match, rapid contact from partners and the chance to compare offers. Submitting an enquiry does not affect your business credit score.
Transparent, fair communication
We commit to clear, not misleading information. We share your enquiry only with partners who can realistically help and we protect your data under our privacy standards.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Finance challenges UK pubs are solving right now
Pub operators face several pressing funding needs. Each challenge has suitable finance routes — the right match depends on your trading profile and security available.
Post-pandemic recovery & cash flow gaps
- Short-term working capital to cover seasonality or slow months
- Refinancing to smooth repayments or consolidate high-cost debt
Rising energy, supplier & staffing costs
- Working capital and invoice finance to maintain stock levels and supplier relationships
- Sustainability finance for energy-saving investments to reduce ongoing bills
Refurbishment & compliance upgrades
- Fit-out loans for kitchens, cellars, beer gardens and accessibility works
- Funds for safety compliance and licensing renovations
Expanding food & beverage offerings
- Asset finance for commercial kitchen equipment and POS systems
- Working capital to support new menus and marketing
Tailored finance routes exist for each of these. Start your Free Eligibility Check to see which options match your pub.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Popular business finance options for pubs
| Finance type | Typical uses for pubs | Indicative amounts | Term/structure | Security |
|---|---|---|---|---|
| Business loans (secured & unsecured) | Refurbishment, expansion, refinance | £10,000 – £1,000,000+ | 1–10 years | Secured on property or director guarantees / unsecured for stronger profiles |
| Merchant cash advance / card turnover finance | Short-term cash flow against card takings | £10,000 – £250,000 | Repayments linked to card turnover (flexible) | Usually no fixed property security |
| Asset & equipment finance | Kitchen kit, cellar systems, draught equipment, POS | £10,000 – £250,000 | Lease or hire purchase over 2–7 years | Secured on equipment |
| Fit-out & refurbishment finance | Interior upgrades, beer garden work, accessibility | £10,000 – £500,000 | 1–7 years | Varies — unsecured possible for strong applicants |
| Invoice finance | Seasonal cash flow for events or catering contracts | From £10,000 | Revolving facility | Security over invoices |
| Bridging / short-term finance | Quick purchases, tenancy deposits, urgent works | £25,000 – £2,000,000 | Days to months | Property-secured |
| Sustainability loans | Solar PV, insulation, heat pumps, EV chargers | £10,000 – £250,000 | 3–10 years | Often unsecured or asset-secured |
Disclaimer: Repayment terms, rates and lender criteria vary. Fast Business Loans does not guarantee lender acceptance. To get indicative options, Get Quote Now.
How our pub finance matching process works
We keep the process simple and sector-focused so you can compare options quickly.
Step 1 — Tell us about your pub
Complete a short online enquiry with basic business details, funding purpose and contact info. It takes under 2 minutes.
Step 2 — We shortlist suitable lenders & brokers
We match your request to providers on our panel who specialise in hospitality and licensed trade funding.
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.
Step 3 — Receive fast, no‑obligation contact
Matched partners will contact you (typically within hours) with indicative terms and next steps.
Step 4 — Compare offers confidently
Review proposals from lenders or brokers and decide which, if any, to progress. There’s no pressure to proceed.
Eligibility snapshot: what lenders look for
Helpful if you can provide
- Trading history & recent management accounts
- Monthly card and cash takings / turnover trends
- Details of tenancy, leasehold or freehold status
- Plans and quotes for refurbishments or equipment purchases
- Evidence of bookings or event contracts (for tied/managed pubs)
Don’t worry if
- Your trading history is short — some lenders assess start-ups / relaunches
- You have seasonal revenue — lenders can model seasonality
- You’ve had a previous decline — alternative lenders may consider your case
Not sure if you qualify? Start an enquiry and a specialist will give a quick sense-check.
Scenario walkthroughs: funding solutions for different pub goals
Example 1 — Village pub revamp & beer garden expansion (fictional)
Challenge: seasonal trade and demand for outdoor space. Solution: a medium-term secured business loan to fund decking and kitchen improvements, plus short-term merchant cash advance for stock ahead of peak season. Outcome: higher summer takings and improved margins.
Example 2 — City freehouse managing supplier costs
Challenge: supplier price increases causing cashflow pressure. Solution: invoice financing and a small working capital facility to smooth payments. Outcome: restored supplier terms and steadier cashflow.
Example 3 — Leasehold pub investing in kitchen equipment
Challenge: need new kitchen equipment without large upfront cash. Solution: asset finance (hire purchase) spreading cost over useful life. Outcome: new menu rollout with predictable repayments tied to increased takings.
Cost & repayment considerations
What affects pricing?
Credit profile, security offered, turnover, trading history and lender appetite for hospitality all affect rates and fees.
Understanding repayment structures
Fixed monthly repayments, daily/weekly collections against card takings, or balloon payments are common — choose structures that match your cash flow.
Fees to ask about
- Arrangement / facility fees
- Early repayment charges
- Valuation and legal fees (for property-secured lending)
- Broker fees (if applicable) — these should be disclosed up front
Rates and terms are illustrative only. Final offers depend on lender assessment. Get My Quote to receive tailored indications.
Getting ready: pub finance checklist
- Gather recent management accounts and bank statements (last 12–24 months where possible).
- Clarify the funding purpose and exact amount required (from £10,000 upwards).
- Obtain quotes and cost breakdowns for refurbishments or equipment.
- Prepare simple cashflow projections showing how repayments will be met.
- Complete the Fast Business Loans enquiry form and upload documents when asked.
Upload details later — start your Free Eligibility Check today.
Why acting now matters for UK pubs
Timing can make a big difference: seasonal peaks, supplier negotiations and limited-time sustainability grants mean acting promptly can secure better outcomes. Also, costs of works and finance terms can change — getting matched quickly helps you lock in the right solution.
“Fast Business Loans helped us find a lender who understood our seasonal trade — we had funds in place before summer.” — Example feedback from a pub owner (illustrative)
Frequently asked questions — pubs & hospitality finance
Is Fast Business Loans a direct lender?
No. We introduce you to brokers and lenders who can offer finance. We do not lend or provide regulated financial advice.
How quickly can pub finance be arranged?
After matching, partners typically respond within hours. Funding timelines vary: simple asset finance can complete in days; larger property-secured loans can take several weeks.
Will filling out the enquiry form affect my credit score?
No — enquiries through our matching service are soft and do not impact credit. Lenders may conduct hard credit checks only during formal applications.
Can recently reopened pubs apply?
Yes. Some lenders assess recently reopened or relaunched pubs, considering business plans, forecasts and sector experience.
Do you work with tied houses and leaseholds?
Yes — we match to lenders/brokers experienced with tied agreements, leaseholds and freeholds.
What loan amounts are available for pubs?
Our partners typically arrange amounts from around £10,000 upwards depending on need and security.
What happens after I’m introduced to a lender or broker?
The lender or broker will contact you to discuss terms, request any further documentation and guide you through the application process.
If you can’t find your question here, Start Your Enquiry and speak with a hospitality finance specialist.
Next steps: secure the right finance for your pub
Fast Business Loans saves time and increases your chance of finding a suitable finance partner by matching you with lenders who understand pubs. Complete a short enquiry now and get matched quickly.
Start Your Enquiry
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Trust signals: Secure form • Introducer only • No obligation
Read more about sector-specific options on our pubs guide: pubs business loans.
Explore our broader services at the Fast Business Loans homepage.
Important information & disclaimers
Fast Business Loans is a trading style of Fast Business Loans and acts as an introducer. We do not provide regulated financial advice or lend money. Any finance is subject to status, affordability and lender assessment. Terms, rates and eligibility vary between providers. Consider independent financial advice if you are unsure.
Your personal and business data is handled securely and shared only with selected partners who may be able to help with your funding request. See our Privacy Policy and Terms for more details.
1) What is Fast Business Loans and are you a direct lender for pubs? Fast Business Loans is a free UK introducer that matches pubs with suitable lenders and brokers — we’re not a lender and don’t provide financial advice.
2) Will submitting the enquiry form affect my credit score? No — it’s a soft, no‑obligation enquiry that doesn’t impact your credit score, with credit checks only if you proceed with a formal application.
3) How quickly can a UK pub secure finance through Fast Business Loans? Matched partners typically contact you within hours, and with complete documents some products can fund in days while property‑secured loans may take a few weeks.
4) What types of pub finance can you help with? We match pubs with secured and unsecured business loans, merchant cash advances, asset and equipment finance, fit‑out and refurbishment finance, invoice finance, bridging loans and sustainability loans.
5) How much can a pub borrow and over what term? Finance commonly starts from around £10,000, with amounts and terms varying by product, trading profile and security (for example, many loans run 1–10 years).
6) Can leasehold pubs, tied houses or multi‑site operators apply? Yes — our partners regularly fund leaseholds, tied houses and multi‑site operators, assessing each case on its merits.
7) What documents do pubs typically need to provide? Lenders usually ask for recent management accounts and bank statements, card/cash takings, lease/tenancy or freehold details, and quotes or plans for refurbishments or equipment.
8) Can you help pubs with short trading history, seasonal revenue or a previous decline? Often yes — some lenders consider start‑ups, relaunches and seasonal pubs based on business plans, forecasts and sector experience.
9) How are repayments structured for pub finance? Repayments can be fixed monthly, linked to card turnover for merchant cash advances, or aligned to leases/hire purchase for assets to suit cash flow.
10) What costs and fees should pubs expect? Pricing depends on credit profile, security and lender criteria, and may include arrangement/facility fees, broker fees, valuations, legal costs and any early‑repayment charges.