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, No-Obligation Finance Matching for UK Pubs
Summary: If you run a pub in the UK and need funding for cash flow, refurbishment, equipment, or expansion, Fast Business Loans can quickly match you with specialist lenders and brokers. We are an introducer — not a lender or financial adviser — and our free enquiry takes less than 2 minutes. Submit a short form and get matched with partners who can provide loan quotes from around £10,000 and above. Get Started – Free Eligibility Check
Why UK Pubs Trust Fast Business Loans
A specialist matching service for hospitality venues
Running a pub brings seasonal peaks and troughs, unexpected costs and urgent maintenance. Fast Business Loans helps pub owners save time by matching your need with lenders and brokers who understand hospitality. We don’t provide loans or financial advice — we introduce you to providers who can.
How we protect your time and privacy
Our quick enquiry is non-binding and designed to avoid unnecessary paperwork. The initial match process doesn’t impact your credit score. We only share your details with finance partners relevant to your request and aim to keep contacts minimal and useful.
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.
Get My Pubs Finance Quote — it takes less than 2 minutes.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Common Funding Needs for Pubs
Pub owners most often seek finance for practical, business-critical reasons. Tell us your priority and we’ll match you with brokers who specialise in pubs.
- Working capital: Bridge seasonal demand dips or short-term cashflow gaps.
- Refurbishment & fit-out: Modernise interiors, kitchens or customer areas.
- Outdoor improvements: Beer garden upgrades, decking, covered areas.
- Stock & supplier payments: Keep lines moving during busy trading periods.
- Equipment & asset finance: Draught systems, kitchen kit, cellars.
- Energy efficiency & sustainability: Solar, heat pumps, LED lighting to reduce bills.
- Acquisitions & expansion: Buy freehold, refinance or fund multi-site growth.
Free Pub Funding Eligibility Check
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Finance Options We Can Help You Explore
We introduce you to lenders and brokers offering a wide range of products suitable for pubs. Below are common solutions — the right option depends on your business and lender criteria.
Pub Business Loans (Unsecured & Secured)
Term loans can cover refurbishments, acquisitions or larger projects. Loan sizes we typically introduce start from around £10,000 and can go much higher. Secured loans may require property or assets as collateral; unsecured loans usually have higher rates but no property charge.
Cashflow & Merchant Cash Advance
These products suit pubs with steady card takings. Repayments are linked to card sales, offering flexibility during seasonal fluctuations — but cost structures differ, so compare options closely.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Asset & Equipment Finance
Spread the cost of new kitchen equipment, draught systems or furniture with hire purchase or lease arrangements. Often structured so payments align with the asset’s useful life.
Fit-Out & Refurbishment Finance
Funding specifically for refurb projects, licences, and compliance works. Lenders will want project budgets and timescales.
Invoice & Trade Finance
If you supply or buy on trade terms, invoice finance can unlock working capital tied up in receivables or supplier contracts.
Commercial Mortgages & Property Finance
For buying freeholds, remortgaging or funding larger estate purchases. Terms, interest and deposit requirements vary by lender and deal size.
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.
Fast Business Loans does not provide these products directly — we match you with partners who do. Match Me With Pub Finance Specialists
Step-by-Step: From Enquiry to Offer
Step 1 – Submit your quick enquiry
Complete a short form telling us the amount you need (from around £10,000 upwards), purpose of funds and basic business details. It takes under 2 minutes.
Step 2 – We identify suitable lenders/brokers
We use your details to select partners with relevant experience in hospitality and pubs, then pass your enquiry on for consideration.
Step 3 – Expect a rapid follow-up
Selected brokers or lenders typically contact you by phone or email to discuss options and request documents if required.
Step 4 – Compare offers & proceed if it suits you
Review quotes, ask questions and only proceed when you’re comfortable. Completing an enquiry does not commit you to any product.
Example: Case example: an independent London pub used asset finance to install a new cellar system and repaid the facility over five years — contact with matched broker within 24 hours.
Eligibility Snapshot for Pub Loans
Eligibility varies by lender, but here’s what most providers typically consider.
What lenders typically look for
- Trading history — many lenders prefer at least 6–12 months trading post-reopening or takeover.
- Turnover and profitability — evidence of sustainable trading and acceptable margins.
- License status — valid premises licence and relevant compliance paperwork.
- Management experience — experienced operators are favoured for higher-value facilities.
- Credit history — both business and director credit checks can be relevant at application stage.
Documents to have ready
- Latest management accounts and up-to-date bank statements (typically 3–12 months).
- Accounts or tax returns (if available).
- Lease or freehold documents, and proof of licences.
- Photo ID and company registration documentation.
Younger pubs or recent takeovers
Many brokers we introduce specialise in supporting newly acquired or recently reopened pubs — they may work from business plans and cashflow projections where historic accounts are limited.
Note: Specific eligibility and decisions are made by the lender/broker. Completing an enquiry does not guarantee approval.
Cost Considerations & Responsible Borrowing
Costs depend on product type, loan size, security and credit profile. Typical charges include interest, arrangement fees, valuation fees and possible early repayment charges.
Compare APRs, total cost of credit and repayment schedules before committing. If you’re unsure about affordability, take time to discuss with the lender or an independent adviser. Fast Business Loans introduces you to providers — the detailed cost breakdown will come from the broker or lender handling your case.
How We Support Different Pub Types
Community and village pubs
Smaller, community-focused venues often seek modest refurbishment or energy-efficiency upgrades. We match them with lenders experienced in modest-scale hospitality facilities.
City centre bars & gastropubs
These businesses may need fast working capital, higher-value fit-outs or short-term seasonal finance — specialist brokers understand urban trading patterns and VAT/stock considerations.
Pub chains and multi-site operators
We can match multi-site operators with lenders comfortable structuring portfolio facilities, rolling credit lines or acquisition finance.
Brewpubs and taprooms
Stock, equipment and production finance are common here — suppliers and breweries sometimes require tailored invoice or trade finance solutions.
Find out more about pubs business loans or Get Quote for Your Pub.
Success Checklist Before You Apply
- Prepare recent management accounts and 3–12 months bank statements.
- Update cashflow forecasts and a brief business plan for expansion projects.
- Ensure premises licence and health & safety documents are current.
- Identify assets you could use as security (if considering secured finance).
- Decide the amount and ideal term for borrowing — start with a clear purpose.
Need help preparing documents? Brokers we introduce will guide you through what each lender requires.
Frequently Asked Questions
Is Fast Business Loans a lender?
No. We are an introducer that connects pub owners with lenders and brokers who provide funds directly.
Will an enquiry affect my credit score?
No — submitting our initial enquiry does not affect your credit score. Lenders may run credit checks later if you choose to progress.
What loan amounts are available for pubs?
We introduce providers for facilities typically starting from around £10,000 and upwards, depending on the product and lender criteria.
Can I get finance if I recently took over a pub?
Yes. We work with brokers experienced in supporting recent takeovers; they will typically want a plan and early trading data.
How quickly can funding be provided?
Some lenders respond within hours to an enquiry; funding timelines depend on complexity, due diligence and whether property valuation is needed.
Do you charge pub owners for using the service?
No. Our service is free for businesses. We may receive a commission from the broker or lender when finance completes.
Get Started – Your Pub Finance Partner Awaits
Whether you need quick working capital or a multi-site finance solution, Fast Business Loans makes it simple to explore your options. Complete a brief, no-obligation enquiry and we’ll match you to the most suitable lenders and brokers for pubs. Less than 2 minutes and you’ll be one step closer to a tailored finance quote.
– What is Fast Business Loans and do you lend directly to pubs?
We’re an introducer, not a lender or adviser, matching UK pub owners with specialist lenders and brokers who provide the finance.
– Will submitting the quick enquiry affect my credit score?
No—the initial, no-obligation eligibility check does not impact your credit score, though lenders may run checks if you choose to proceed.
– How much can I borrow with a pub business loan?
Our partners typically consider facilities starting from around £10,000 and upwards, subject to lender criteria and eligibility.
– How fast can UK pubs get funding through Fast Business Loans?
You’ll usually hear from matched brokers or lenders within hours, with funding speed depending on documents, due diligence and any security or valuations required.
– What finance options are available for pubs?
Options include unsecured and secured business loans, merchant cash advances, asset and equipment finance, fit-out/refurbishment finance, invoice/trade finance and commercial mortgages.
– Is the enquiry form a loan application?
No—it’s a short information-only enquiry used to match you with suitable providers and carries no obligation to proceed.
– Can I get pub finance if I recently took over or reopened?
Yes—many partners support recent takeovers based on business plans, projections and early trading data.
– What do lenders typically look for in eligibility?
Lenders commonly assess trading history (often 6–12 months), turnover and profitability, licence status, management experience and business/director credit history.
– What documents should I prepare before I apply?
Have recent management accounts, 3–12 months’ bank statements, licences, lease/freehold details, photo ID, company documents and accounts/tax returns if available.
– What can pub funding be used for?
Common uses include working capital, refurbishment and fit-out, outdoor improvements, stock and supplier payments, draught/kitchen equipment, energy-efficiency upgrades, acquisitions and expansion.