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.
Hotel Business Loans & Hospitality Finance in the UK
Summary: If you run a hotel and need funding — for refurbishment, acquisition, equipment, green upgrades or seasonal cashflow — Fast Business Loans connects you with lenders and brokers who specialise in hospitality finance. We don’t lend, we match you with the best partners for your circumstances. Enquiries are quick, free and non‑binding. Start a Free Eligibility Check to get matched today.
Introduction & How We Help
Running a hotel is capital‑intensive: from periodic refurbishments to seasonal payroll pressures, the hospitality sector needs flexible finance. Fast Business Loans is a specialist introducer: we gather a short set of details from you and match your business to vetted lenders and brokers who can offer suitable hotel finance options. Our service is free for hotels and helps you compare options without lengthy searching.
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
Hotel Funding at a Glance
- Loan sizes we typically assist with: from £10,000 upwards (small refurb to multi‑million projects).
- Average time to first contact after enquiry: a few hours during business days; funding timelines vary by product.
- Common purposes: refurbishments, acquisitions, working capital, asset purchases and green upgrades.
Why Hotel Financing Needs a Specialist Approach
Hotels have seasonal revenues, high fixed costs and large capital expenditure cycles. Generic lenders may not fully understand metrics like occupancy, ADR (average daily rate) and RevPAR (revenue per available room) — all of which matter to hospitality lending decisions.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
“A lender who understands hospitality will interpret a winter dip differently to a non‑specialist — and that can make the difference between acceptance and refusal.”
Specialist brokers and lenders structure offers around trading cycles, franchise agreements, management contracts and the property’s earnings potential — not just past bank statements.
Typical Financing Triggers for Hotels
- Major refurbishments or rebrand of rooms, F&B areas and public spaces.
- Acquisition of new properties or franchise rollouts.
- Purchase or upgrade of equipment (kitchens, laundry, EV chargers).
- Seasonal cashflow shortfalls and payroll smoothing.
- Energy efficiency and sustainability retrofits to reduce long‑term costs.
Funding Options We Can Help You Explore
Below are common finance routes for hotels. We’ll match you to lenders and brokers who specialise in the product that fits your need.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Unsecured Business Loans
Best for quick, modest amounts where speed matters. Pros: faster decisioning, no property security. Cons: typically smaller amounts and higher cost. Indicative: from £10k upwards depending on partner.
Secured / Commercial Mortgages
Used for property purchases or major refinancing. Lenders assess LTV, trading performance and future projections. Terms are longer and rates depend on facility and security offered.
Asset & Equipment Finance
Ideal for kitchens, laundry equipment, furniture and EV chargers. Preserves working capital and matches repayments to asset life.
Bridging & Development Finance
Short‑term facilities for renovations, acquisitions in need of quick completion, or to bridge an oversight until longer‑term finance completes.
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.
Invoice Finance & Merchant Cash Advance
Invoice Finance unlocks cash from corporate bookings or contracts. Merchant cash advances use card turnover to provide rapid cash — useful for occupancy‑driven businesses.
Green & Sustainability Funding
Dedicated funds for energy efficiency projects and renewable installations. Some lenders offer preferential terms for verified sustainability projects.
Match with a Hospitality Finance Expert — Free Eligibility Check
Understanding Lender Criteria for Hotels
Lenders evaluate hospitality businesses differently. Key elements they look for:
| Required Info | Why It Matters |
|---|---|
| Management accounts & forecasts | Shows current trading and expected recovery after refurbishment or seasonality |
| Occupancy rates, ADR, RevPAR | Core KPIs that indicate revenue potential |
| Security available (property, assets) | Affects pricing, loan size and LTV |
| Franchise or management agreements | Demonstrates brand strength and revenue stability |
| Supplier & contract terms | Reveals future obligations and cashflow timing |
Each lender has a different appetite — our role is to match you to one that understands hotels.
Fast Business Loans: Our Matching Process
- Complete a short enquiry — it takes under 2 minutes.
- We analyse your need and match you to suitable brokers and lenders.
- Partners contact you to discuss options and request documents.
- Choose the best offer and move to underwriting and completion.
Submitting an enquiry is non‑binding and does not affect your credit score. Start Your Enquiry
Case Snapshots: Hotel Funding Wins (anonymised)
Boutique Hotel Refit — £350k Asset & Refurb Finance
A four‑storey boutique in the South West needed a full room refit and new F&B area. Matched with a specialist hotel lender, they combined equipment finance with a medium‑term secured facility, staged to refurbishment milestones. Outcome: minimal trading disruption and improved ADR within six months.
Regional Chain Bridging Facility — £1.2m
A regional operator required quick bridging to secure a distressed purchase. A development lender provided short‑term funds, leaving time to refinance with a commercial mortgage once post‑acquisition valuations were agreed.
Coastal Inn Energy Upgrade — £120k Green Loan
An independent inn upgraded heating and installed solar PV. We matched them with a lender offering preferential rates for verified energy savings. Reduced energy costs improved margins and strengthened future refinancing terms.
Results vary by case and are subject to lender terms and underwriting.
Navigating Challenges Unique to UK Hotels
Key sector risks include seasonality, tight labour markets and rising energy costs. Lenders expect mitigation plans — e.g., marketing strategies for off‑peak, supplier contracts to control costs, or staging capital projects to maintain trading.
Seasonal Cashflow Management Tips
- Use revolving facilities or invoice finance to smooth lean months.
- Negotiate flexible supplier terms during low season.
- Plan refurbishments for low occupancy periods to preserve revenue.
Planning for Upgrades & ESG Demands
- Prepare evidence of projected energy savings when seeking green loans.
- Factor compliance and planning permissions into timelines and budgets.
- Document carbon reduction targets — this helps with lender appetite and potential incentives.
What to Prepare Before You Enquire
Having key documents ready speeds matching and lender feedback. Typical checklist:
- Latest management accounts and historic P&L (12–24 months where available).
- Cashflow forecasts and a short explanation of the funding purpose.
- Details of property ownership, leases or franchise agreements.
- List of significant assets to be used as security (if any).
- Estimated project costs and timescales for refurbishments or upgrades.
FAQs: Hotel Business Loans
Can hotels with seasonal income still secure funding?
Yes. Lenders assess full‑year trading, forecasts and mitigation plans. We match you with partners used to hospitality seasonality.
What loan sizes can you help hotels access?
We commonly assist with facilities from £10,000 upwards — from small asset finance to multi‑million commercial mortgages, depending on the lender.
How quickly can a hotel receive funds after enquiry?
Some short‑term facilities can complete within days once documents are supplied. Larger secured lending often takes several weeks due to underwriting and legal checks.
Will submitting an enquiry affect my credit score?
No — submitting an initial enquiry through Fast Business Loans does not affect your credit score. Lenders may carry out checks later if you progress an application.
Do you help with sustainability or green retrofit finance?
Yes — we can match hotels with lenders and schemes that support energy efficiency and sustainability projects.
How much does your service cost?
Our matching service is free for business owners. If you proceed, any fees or charges will be disclosed by the lender or broker providing the finance.
Next Steps & Resources
Ready to explore hotel finance options? Complete a short enquiry and we’ll connect you with specialists who understand hospitality. It’s free, quick and non‑binding.
Get Started — Free Eligibility Check
For more sector information, you may find our industry page useful: hotel business loans.
Important Note
Fast Business Loans is an introducer — we do not lend or provide financial advice. We connect UK hotels to lenders and brokers who can provide finance. Submitting an enquiry is non‑binding and will not impact your credit score. Finance is subject to status, affordability and lender checks. Terms and conditions apply.
– What is a hotel business loan and how does Fast Business Loans work?
Fast Business Loans is a free UK introducer that matches hotels with specialist lenders and brokers for hospitality finance — we don’t lend or give advice.
– What can hotel finance be used for?
Funding can cover hotel refurbishment finance, property acquisitions, equipment upgrades, working capital for hotels, and green sustainability projects.
– How much can UK hotels borrow?
Our partners commonly offer from £10,000 up to multi‑million facilities, subject to security, affordability and lender criteria.
– How fast can hotel funding be arranged?
You’ll usually get a call within hours, with some short‑term options funding in days and larger secured facilities taking several weeks due to underwriting and legal checks.
– Will the Free Eligibility Check affect my credit score?
No — it’s a non‑binding enquiry that won’t impact your credit score, with any credit checks happening later only if you proceed.
– What types of hospitality funding solutions are available?
We match hotels with unsecured business loans, commercial mortgages, asset and equipment finance, bridging/development finance, invoice finance, merchant cash advances, and green loans.
– Can hotels with seasonal revenue still secure finance?
Yes — specialist lenders understand seasonality and assess full‑year trading, forecasts, occupancy, ADR and RevPAR.
– Do I need property as security to get hotel finance?
Not always; unsecured options exist for smaller, faster needs, while larger amounts typically use property or assets as security.
– What information will lenders usually require from a hotel?
Expect management accounts and forecasts, occupancy/ADR/RevPAR metrics, details of security, and any franchise or management agreements.
– What does your service cost and are partners regulated?
Our matching service is free for hotels, and we introduce only to UK lenders and brokers who follow FCA guidelines, with any provider fees disclosed upfront.