Hotels Business Loans Made Fast, Fair & Simple

Summary: If you run a hotel, aparthotel or guesthouse and need finance for working capital, refurbishment, acquisition or sustainability improvements, Fast Business Loans connects you with specialist lenders and brokers who can help. Our quick, no‑obligation enquiries (no credit score impact) let us match you to the most appropriate providers for loans from £10,000 upwards. Complete a short form to Get a Free Hotel Finance Quote and hear back quickly from selected partners.

Trust markers: Secure | No credit score impact for enquiry | Introducer (we do not lend or give regulated financial advice)

Why hotels need flexible finance in 2024–25

Running a hotel today involves juggling seasonal demand, rising energy bills, online distribution costs and frequent refurbishment cycles to stay competitive. Whether you need short-term cashflow to cover a quiet winter, medium-term funding to renovate bedrooms and public areas, or longer-term finance for acquisition and development, getting matched with the right lender quickly matters.

Fast Business Loans does not provide loans or regulated financial advice. Instead, we match hotel owners with lenders and brokers experienced in hospitality finance so you can compare options and choose what suits your business. Start your enquiry and receive a Free Eligibility Check — no obligation and no immediate credit checks: Get a Free Hotel Finance Quote.

How Fast Business Loans works for hotel operators

Our process is designed to save you time and increase your chance of getting suitable terms:

1. Quick enquiry: Tell us a few details about your business and the funding you need (takes under 2 minutes).
2. Targeted matching: We match you with lenders and brokers who specialise in hospitality finance and the loan size you need.
3. Rapid response: Matched partners typically contact you by phone or email to discuss options and next steps.
4. Compare & decide: Review offers, ask questions, and decide whether to proceed — you remain in control.

Complete a Free Eligibility Check to be connected with hospitality lenders who can help with loans from £10,000 and above.

Common hotel funding scenarios we support

Working capital & seasonal cashflow

Cover short-term gaps between busy and quiet periods, finance payroll, or stock up for peak season. Lenders offer overdrafts, revolving credit lines or short-term business loans suited to hospitality’s cashflow cycles.

Refurbishment & fit-out projects

Upgrade rooms, revamp the lobby, or replace furniture and fixtures. Project finance and medium-term secured or unsecured loans can match refurbishment timetables and expected uplift in rates and occupancy.

Expansion, acquisition & development

Buying another property, converting buildings into serviced apartments or expanding facilities often needs larger facilities such as bridging finance, commercial mortgages or development finance.

Sustainability & energy-efficiency upgrades

Invest in solar PV, heat pumps, LED retrofits or EV chargers to reduce running costs and appeal to environmentally conscious guests. Asset finance and green loans can spread the cost while delivering operational savings.

Finance solutions available through our panel

We connect hotels with a wide range of products. Suitability depends on loan size, security available and purpose.

• Unsecured & secured business loans — flexible use, quick turnaround for amounts from £10k upwards.
• Asset & equipment finance — for furniture, laundry equipment, kitchen upgrades or EV chargers, preserving cashflow.
• Invoice finance & merchant cash advances — unlock cash tied up in invoices or future card receipts.
• Commercial mortgages & bridging finance — for purchases, refinances or short-term bridging while longer-term funding is arranged.

All finance is subject to status, affordability checks and lender terms. If you’re unsure what’s best, complete a Free Eligibility Check and we’ll connect you with relevant specialists.

What hotel lenders typically look for

Lenders assess both the property and the business performance. Common criteria include:

• Trading history and company structure (limited companies and established trading records preferred).
• Occupancy trends, average daily rate (ADR), RevPAR and recent revenue performance.
• Management accounts, VAT returns, and cashflow forecasts.
• Planned use of funds and any security available (property, assets).

Helpful checklist to prepare: recent management accounts, 12–24 months of occupancy/revenue data, a short summary of your funding purpose, and contact details. Need help preparing papers? Matched brokers can assist once you submit an enquiry.

Why hotel owners choose Fast Business Loans

• Time-saving: one short form connects you with multiple, relevant lenders and brokers.
• Sector expertise: we match you to partners experienced in hospitality finance.
• Choice: compare different products and decide — no obligation to proceed.
• Secure & discreet: we only share your details with selected partners suited to your request.
• No credit impact for the initial enquiry — lenders only check credit when you opt to proceed.

Ready to compare options? Get Quote Now — Free Eligibility Check.

Real examples of hotel funding we’ve facilitated

These anonymised snapshots show typical outcomes (results vary by case).

Boutique coastal hotel — refurbishment loan (£250,000): Funding arranged to refurbish guest rooms and public areas. Loan structured over 5 years with staged drawdowns to match the renovation schedule, improving ADR and occupancy within 12 months.

City aparthotel — bridging finance for acquisition (£1.2m): Short-term bridge provided to secure a purchase while longer-term commercial mortgage was placed, enabling the operator to complete the deal quickly.

Rural inn — asset & energy upgrade (£60,000): Asset finance used to replace kitchen equipment and install heat pumps, reducing operating costs and improving guest experience.

Practical funding tips for UK hotel owners

• Keep tidy, up-to-date management accounts and show seasonally adjusted forecasts.
• Document projected uplift from refurbishments — lenders like realistic revenue improvements tied to the funding.
• Consider staged drawdowns for large refurb projects to avoid paying interest on unused funds.
• Explore grants and incentive schemes for energy efficiency alongside finance options.
• Use finance to invest in technology (PMS, channel manager) that improves yield management and RevPAR.

For sector-specific insight and examples of hospitality finance options, see our Hotels Business Loans industry overview: Hotels Business Loans.

FAQs — Hotels & hospitality finance with Fast Business Loans

How quickly can funding be approved after an enquiry?

Matched lenders or brokers usually respond within hours during working days. Formal approval and drawdown depend on the product, checks required and any property valuation timelines.

What size of hotels do your partners support?

Our panel works with a wide range — from small boutique hotels and B&B conversions to larger aparthotel operations and multi-site groups. Loan sizes typically start at £10,000 and scale up based on needs and security.

Can recently refurbished or seasonal hotels still apply?

Yes. Lenders assess recent trading and forward bookings. A clear case showing how funds will be used and expected revenue impact helps the application.

Do hotel loans require property security?

Security depends on the lender and product. Options range from unsecured facilities to loans secured against property or specific assets. Speak to matched brokers about unsecured vs secured trade-offs.

Will my enquiry affect our credit score?

No. Submitting an enquiry via Fast Business Loans does not affect your credit rating. Lenders may run credit checks later if you decide to progress with an offer.

How much can UK hotels typically borrow?

Amounts vary widely: from around £10,000 for smaller projects or asset finance up to multi-million pound facilities for acquisitions and larger developments. Exact amounts depend on lender criteria, security and business performance.

Important information & disclosure

Fast Business Loans is an introducer only. We do not lend money or provide regulated financial advice. Our service is free and designed to connect you with lenders and brokers who may be able to help. All finance is subject to status, affordability checks and lender terms; offers are not guaranteed. Submitting an enquiry will not impact your credit score. If you need independent financial or tax advice, please consult a qualified professional before agreeing any finance.

If you have questions or need help preparing your documents before enquiring, contact our team via the enquiry form and we’ll point you in the right direction. Your enquiry helps us find the best lenders and brokers for your hotel — and it’s free with no obligation to proceed.

1) How quickly can hotel finance be approved after I enquire?
Answer: Expect a response within hours during business times, with unsecured hotel finance sometimes funding in days and property-backed facilities taking longer due to valuations and legals.

2) How much can a UK hotel borrow?
Answer: Loan sizes typically start from £10,000 and can extend to multi‑million pound acquisition or development funding, subject to status and available security.

3) What can hotel business loans be used for?
Answer: Hotel finance can cover working capital and seasonal cashflow, refurbishment and fit‑out, acquisitions or development, and sustainability upgrades like solar, heat pumps and EV chargers.

4) Do I need security or property to get a hotel loan?
Answer: Both unsecured and secured options exist, with security requirements depending on the lender, loan size, purpose and the assets or property you can offer.

5) Will submitting an enquiry affect my credit score?
Answer: No—submitting an enquiry with Fast Business Loans does not impact your credit score, and credit checks only occur if you choose to proceed with a lender.

6) What documents do hotel lenders typically ask for?
Answer: Lenders usually review recent management accounts, VAT returns, cashflow forecasts, occupancy/ADR/RevPAR data, a clear funding purpose, and details of any available security.

7) What types of finance are available for hotels?
Answer: Options include unsecured and secured business loans, asset and equipment finance, invoice finance, merchant cash advances, commercial mortgages and bridging finance.

8) Do you support B&Bs, guesthouses and aparthotels as well as hotels?
Answer: Yes—our panel supports UK boutique hotels, guesthouses/B&Bs, aparthotels and multi‑site groups via specialist hospitality lenders and brokers.

9) How does the Fast Business Loans process work and how long does the form take?
Answer: Complete a short form (under 2 minutes) for a Free Eligibility Check, get matched to relevant hospitality lenders within hours, then compare no‑obligation offers and decide whether to proceed.

10) Is Fast Business Loans a lender, and does the enquiry cost anything or count as an application?
Answer: Fast Business Loans is an introducer (not a lender), and your enquiry is free, no‑obligation and not a loan application.