Quick overview & how to start

Running a hotel means juggling seasonal demand, rising operational costs and the constant pressure to refresh rooms and facilities. Whether you need short-term cashflow to cover a quiet winter, a refurbishment loan to meet brand standards, or finance to invest in energy-saving measures, the right lender makes all the difference.

Fast Business Loans does not lend money. We introduce hotel owners to expert brokers and lenders who understand hospitality. Our free, no-obligation enquiry helps match your business to providers who can offer the best-fit finance options for your situation.

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Free · Secure · No obligation · No impact on your credit score. Typical responses within hours.

Why hotels need specialist finance support

Hotels face specific funding challenges that general business lenders may not understand. Seasonal occupancy swings, dependence on online reviews and the need to maintain standards set by brands or franchise agreements are just a few examples. Specialist lenders and brokers who know hospitality can structure deals around cyclical income, existing booking pipelines and asset values.

Key pressure points for hotels:

• Seasonal peaks and troughs in occupancy and cashflow.
• Refurbishment cycles to meet guest expectations and brand requirements.
• Rising energy and staffing costs — often addressed via sustainability finance.
• Large-ticket equipment (kitchens, laundries) that can be financed over time.

For an in-depth look at finance options specifically tailored to hospitality, see our industry guide to hotels business loans.

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Common hotel funding scenarios we support

We match hotels with lenders and brokers able to underwrite a range of real-world needs:

• Cashflow bridging: cover payroll and supplier bills during low season or when large corporate invoices take time to pay.
• Refurbishment & fit-out: room upgrades, lobby modernisation or compliance works to meet brand/franchise standards.
• Energy efficiency projects: finance solar, LED upgrades, heat pumps or EV chargers via sustainability loans.
• Expansion & acquisition: bridging or development finance for buying adjacent property or launching a new site.
• Asset & equipment finance: purchase or lease kitchen, laundry and IT equipment with fixed-term repayments.
• Invoice financing: unlock cash against corporate group bookings or OTA balances.

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What types of hotel business finance can we introduce?

Through our panel we can introduce a wide range of finance solutions. Typical uses and ranges:

• Unsecured business loans: quick funding for smaller projects — from around £10,000 up to £250,000 (subject to lender criteria).
• Secured commercial loans: larger amounts for property or major refurbishments — from £100k to £5m+ depending on security.
• Refurbishment & fit-out finance: staged, project-based lending aligned to works programmes.
• Asset & equipment finance: finance for kitchens, laundries and vehicles — repayments matched to asset life.
• Invoice finance: release working capital tied up in corporate or group bookings.
• Merchant cash advances: advances against card takings for businesses with strong card turnover.
• Bridging finance: short-term finance for acquisitions or urgent purchases.
• Sustainability loans: funding for energy projects, often linked to reduced operating costs.

All figures are indicative and subject to lender assessment, affordability checks and status. Typical minimum enquiries we handle are from approx. £10,000 upwards.

How Fast Business Loans works for hotels

1. Share your requirements: complete our short enquiry — it takes under two minutes and does not affect your credit score.
2. We curate partners: we match you with lenders and brokers who specialise in hospitality and the finance type you need.
3. Receive tailored offers quickly: brokers/lenders contact you to discuss and provide quotes.
4. Compare and decide: review offers, pick the best fit — there’s no obligation to proceed.

“We secured a refurbishment loan within two weeks thanks to the broker Fast Business Loans introduced.” — Boutique hotel owner, North West England

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Hotel finance eligibility — what lenders typically look for

Lenders assess risk using hotel-specific metrics alongside standard business checks. Prepare to discuss:

• Trading history and seasonality — 12 months (or more) of occupancy and revenue data helps.
• Key performance indicators: ADR (Average Daily Rate), RevPAR and EBITDA trends.
• Property status: freehold, leasehold or management agreement, and any security available.
• Existing borrowing and repayment track record.
• Business plan for the funding: projected uplift in occupancy/revenues and repayment strategy.

Tip: have management accounts, VAT returns and a bookings pipeline summary ready — they speed up the process and help brokers position your case better.

Strengthen your hotel loan application — expert checklist

Use this checklist to boost lender confidence and speed decisions:

• Update management accounts and prepare VAT returns for the last 12–24 months.
• Document occupancy patterns, peak months and low months with ADR and RevPAR.
• Provide a 12-month bookings pipeline or corporate contracts if available.
• Prepare a clear brief for the funding: work schedule, cost estimates and expected returns (e.g. % uplift in occupancy or ADR after refurbishment).
• Clarify property ownership and any charges or leases.
• Outline contingency and repayment plans in case of lower-than-expected revenues.

Need a broker to review your documents? Request a call and we’ll connect you with a hospitality specialist.

Costs, rates & what to expect

Rates and fees vary by lender, loan type and risk profile. Factors that influence cost include:

• Whether the loan is secured (lower rates) or unsecured (higher rates).
• Business performance and credit history.
• Term length, repayment schedule and whether interest is fixed or variable.
• Valuation and legal costs for secured facilities.

Fast Business Loans is free for hotel owners. Any broker or lender fees will be disclosed before you commit. We act as an introducer, not a lender, and do not provide regulated financial advice — consider independent advice where appropriate.

Real‑world funding snapshots (illustrative)

Example scenarios (anonymised and illustrative):

• Coastal 45-room hotel: £250,000 refurbishment loan (secured) to upgrade rooms, resulting in a projected 10–15% RevPAR uplift.
• City boutique hotel: £70,000 asset finance for a new commercial kitchen, repaid over 5 years from improved F&B margins.
• Country house hotel: £400,000 bridging loan to acquire adjacent property and convert it into additional guest rooms; exit via remortgage on completion.

See what funding could look like for your hotel — Get Quote Now

Why hotels choose Fast Business Loans

• Sector-matched panel: we connect you to lenders and brokers experienced in hospitality finance.
• Speed: short enquiry, rapid matches — expect contact within hours during business hours.
• Transparent & free: our service is free to hotel owners and carries no obligation to proceed.
• Secure handling of data: we only share your details with selected partners relevant to your enquiry.

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FAQ — Hotel business finance

Can I apply if my hotel is seasonal or has uneven cashflow?

Yes. Many lenders and brokers will consider seasonality if you provide clear trading data showing peak and off-peak performance. Structured repayments or seasonal interest arrangements can be arranged in some cases.

Do you help with acquisitions and start-up hotels?

We can introduce lenders and brokers who assist with acquisitions and expansion projects. For brand-new hotels, options vary by lender — prepare detailed business plans and forecasts.

What documents will brokers typically request?

Common documents include management accounts, VAT returns, tenancy/lease details, business plan for the funding and recent bookings/corporate contracts.

How fast can funding complete for urgent repairs?

For small unsecured facilities or merchant-style advances, funds can sometimes be available within days. Secured lending and larger facilities usually take several weeks to complete due to valuations and legal work.

Can I refinance existing hotel debt through your partners?

Yes. Refinance or consolidation options are commonly available and can improve monthly cashflow or extend terms. Brokers will compare options and disclose costs.

Will using your service affect my credit score?

No. Submitting the enquiry does not trigger a credit search. Lenders or brokers will explain if and when a credit check is required should you progress an application.

Didn’t see your question? Contact us or complete the short enquiry and a specialist will be in touch.

Start your hotel finance enquiry

Save time and increase your chances of finding the right finance partner. Complete our quick form and we’ll match you with specialist brokers and lenders who understand hotels.

Start My Free Eligibility Check

• Takes under 2 minutes
• No obligation
• Responses often within hours

Disclosure: Fast Business Loans is an introducer that connects hotel owners to finance brokers and lenders. We do not provide loans or regulated financial advice. All finance is subject to lender terms, status and affordability checks. Independent professional advice is recommended where appropriate.