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.
Restaurant Business Loans & Finance for UK Hospitality Businesses
Summary: Fast Business Loans connects UK restaurants, cafés and catering groups with lenders and brokers who can provide finance from £10,000 upwards. Complete a short, credit‑neutral enquiry and we’ll match you to the most suitable providers for fit‑outs, equipment, working capital, refinancing and more. This is a free, no‑obligation introducer service — not an application or loan offer.
Get Started – Free Eligibility Check
Flexible Funding for Restaurants, Cafés & Catering Brands
Running a hospitality business is costly: equipment wears out, menus change, staff and energy costs fluctuate and seasonal cash flow can be tight. If you need funding — whether for a kitchen refit, new ovens, seasonal stock or to expand to a second site — Fast Business Loans helps you find the right finance partners quickly. Remember: we don’t lend. We introduce you to lenders and brokers who can help, and your enquiry is purely used to match you — it’s not an application.
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
Quick benefits snapshot
- Fast matching to lenders and specialist brokers who understand hospitality.
- Free, no‑obligation and credit‑neutral enquiry — submitting does not affect your credit score.
- Options for funding from £10,000 upwards to suit small independents and multi‑site chains.
- Access to secured and unsecured products: equipment, fit‑out, working capital and more.
- Short form takes under two minutes — you get contacted by appropriate partners, not a scattergun approach.
Market Context: Why Restaurant Finance Matters Now
UK hospitality faces tight margins and seasonal trading patterns. Rising input and energy costs, plus labour pressures, mean businesses often need flexible funding to maintain service levels and invest in growth. According to industry reports, many hospitality operators now prioritise short‑term liquidity and equipment modernisation — areas where specialist lenders are active.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Fast Business Loans helps match restaurants with providers that specialise in hospitality finance so you don’t waste time approaching unsuitable lenders.
Finance options for restaurants
| Finance type | Typical use | Indicative amounts | Typical terms |
|---|---|---|---|
| Unsecured Business Loan | Working capital, refurb, marketing | £10k – £250k | 1–5 years |
| Equipment / Asset Finance | Ovens, refrigeration, POS systems | £5k – £500k | 2–7 years, hire purchase or lease |
| Fit‑Out / Refurb Finance | Refits, interior works, extraction systems | £20k – £1m+ | 2–7 years |
| Merchant Cash Advance | Seasonal cash flow from card takings | £5k – £150k | Repayments linked to card sales |
| Invoice / Trade Finance | Bridge payments for suppliers | Variable | Short term |
| Refinance / Debt Restructure | Consolidate high cost borrowing | From £10k | Depends on lender |
Indicative figures only — final terms depend on lender assessment and business circumstances.
Match Me with a Restaurant Finance Specialist
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
How Fast Business Loans supports your restaurant
- Quick enquiry: Tell us about your business and funding need (under 2 minutes).
- Smart match: We connect you to suitable lenders/brokers from our panel.
- Rapid contact: A matched partner will contact you to discuss options — usually within a few hours.
- Compare & decide: Review proposals and agree terms directly with the provider you choose.
Your enquiry is not an application. We only share details with partners who can help and who you may want to speak with.
Eligibility & Documents Lenders Typically Request
While requirements vary by lender, typical criteria for restaurant finance include being a UK‑registered trading company and demonstrating the ability to repay. We commonly place businesses seeking £10,000 and above.
Common documents
- Last 6–12 months business bank statements
- Recent management accounts or tax returns
- Business plan or cash flow forecast for start‑ups
- Supplier quotes (for equipment or fit‑out)
- Lease or premises details and licences
- Proof of ID for directors
New restaurants & pre‑launch concepts
New ventures are usually assessed on the business plan, projected cash flow and director experience. Asset finance and partner introductions that accept projected revenue are common routes for pre‑launch projects.
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.
Established restaurants & multi‑site groups
Established operators will benefit from strong POS data and management accounts. Lenders look for consistent turnover and healthy margins when pricing offers.
What if your credit history is complex?
A previous credit event does not automatically rule you out. Some lenders specialise in more complex credit profiles and secured options can widen availability. Be open about your circumstances during the enquiry so matched partners can recommend realistic options.
Typical restaurant funding use cases
Fit‑outs & refurbishments
Upgrade interiors, increase covers or install new ventilation and extraction systems.
Example scenario: Independent bistro secures £75,000 fit‑out finance to double covers and increase turnover.
Kitchen equipment & tech upgrades
Replace ovens, refrigeration or invest in POS and delivery integration.
Example scenario: Café uses equipment finance for £30,000 of new coffee machines and refrigeration over 36 months.
Working capital & seasonal support
Bridge slow months, manage payroll or stock spikes before busy periods.
Expansion & second sites
Finance deposits, initial fit‑out and working capital when scaling to more locations.
For more sector detail see our restaurants-business-loans page.
Sample funding scenarios
| Business | Need | Recommended product | Indicative range |
|---|---|---|---|
| Independent bistro | New ovens & fridges | Equipment finance | £30k–£60k over 36–60 months |
| Delivery-focused café | Cash flow for peak season | Merchant cash advance / short-term loan | £10k–£50k |
| Multi-site group | Refurb & expand | Commercial fit-out finance / asset-backed facilities | £100k–£1m+ |
All figures are indicative. Final offers depend on lender underwriting and affordability checks.
Why choose Fast Business Loans
- Hospitality sector matching — we prioritise partners who understand restaurants.
- Speed — short enquiry, fast matches and rapid partner contact.
- Free to use — there’s no charge to submit an enquiry or be matched.
- Transparent — we don’t provide credit decisions; lenders/brokers set terms and carry out checks.
- Privacy-conscious — we only share your details with suitable partners who can help.
Testimonials
Insert verified testimonial — “Owner, London gastropub – secured fit‑out finance in 10 days.”
How to prepare: checklist to improve approval odds
- Update management accounts and prepare a simple cash flow forecast.
- Gather 6–12 months of business bank statements and recent supplier quotes.
- Have evidence of leases, licences and any franchise agreements ready.
- Separate personal and business finances where possible.
- Be ready to explain seasonal patterns, average covers and turnover per shift.
Good preparation speeds up offers and improves the quality of matches.
Timelines, costs & responsible borrowing
Typical turnaround: initial partner contact within hours; formal offers can take days to weeks depending on product complexity. Costs vary by product and risk — interest rates, arrangement fees and early repayment charges are set by lenders. Always check affordability and ensure repayments fit your cash flow before accepting any offer.
Frequently asked questions
Is Fast Business Loans a lender?
No. We introduce businesses to lenders and brokers. Any finance agreement is between you and the lender/broker.
Will my enquiry affect my credit score?
Your initial enquiry is credit‑neutral. Lenders or brokers may perform credit checks later if you proceed — they will advise you first.
What loan sizes do you arrange?
We match enquiries from about £10,000 upwards. Options exist to suit small independents through to multi‑site groups.
How long to get a decision?
Initial contact is usually within hours. Formal offers depend on the product — equipment finance can be quick; larger facilities take longer.
Do you charge restaurants to use this service?
No — our matching service is free to business owners. You negotiate any fees or charges directly with the lender or broker you choose.
Can start‑ups apply?
Yes. Many lenders and brokers work with pre‑launch concepts if a strong business plan and cash flow projections are provided.
Ready to explore tailored restaurant funding?
Complete our short enquiry and we’ll match you with lenders and brokers who best fit your business needs. It’s quick, free and no obligation — simply provide a few business details and we’ll do the rest.
Get Started – Free Eligibility Check
Next steps: submit enquiry → matched partners contact you → receive quotes → choose your lender and complete their process.
1) Is Fast Business Loans a lender for restaurant business loans in the UK?
No—Fast Business Loans is a free introducer that matches UK restaurants, cafés and caterers with suitable lenders and brokers.
2) Will submitting the enquiry affect my credit score?
No—the enquiry is credit‑neutral and simply used to match you with providers; any credit checks happen later if you choose to proceed.
3) How quickly will I hear from a lender or broker?
Typically within a few working hours, with formal offers taking from a few days to several weeks depending on the product and complexity.
4) What types of hospitality finance can you match me with?
We can connect you to unsecured business loans, equipment/asset finance, fit‑out/refurb finance, merchant cash advances, invoice/trade finance and refinancing.
5) What loan amounts and terms are available for restaurants?
Funding usually starts from around £10,000 with terms ranging from short‑term facilities to multi‑year agreements, subject to lender assessment.
6) Who is eligible for your restaurant finance matching service?
UK‑registered restaurants, cafés and catering businesses that can demonstrate affordability may be considered, with funding typically from £10,000+.
7) What documents do lenders commonly request?
Expect 6–12 months of business bank statements, recent accounts or tax returns, director ID, premises/lease details and supplier quotes for equipment or fit‑outs.
8) Do you support start‑ups and pre‑launch restaurant concepts?
Yes—many partners consider start‑ups based on a strong business plan, cash‑flow forecasts and relevant director experience.
9) Can I still get finance with a complex or adverse credit history?
Potentially—some lenders specialise in businesses with previous credit issues and may offer secured or alternative options.
10) Do you charge fees or require any obligation to proceed?
No—the matching service is free and there’s no obligation to proceed with any offer you receive.