Hotels Business Loans: Fast, Tailored Finance for UK Hospitality Operators

Summary: If you run a hotel in the UK and need funding for refurbishment, working capital, acquisition or sustainability upgrades, Fast Business Loans connects you quickly to lenders and brokers who specialise in hospitality. We are an introducer — not a lender — and a short, no-obligation enquiry helps us match your hotel to the best providers for loans from around £10,000 upwards. Enquiries do not affect your credit score and are only used to find suitable partners.

Why hotels need specialist finance right now

Hospitality is capital-intensive and cyclic. Many hotels face shortfalls from seasonal dips, inflationary costs and rising energy bills while needing to invest in refurbishment, accessibility works, or sustainability upgrades (EPC, EV chargers, solar). Traditional high-street lending can be slow, inflexible and poorly-tailored to the unique cashflow patterns of hotels. That’s why specialist lenders and brokers exist — they understand occupancy-led revenue, group and corporate bookings, and one-off fit-out funding.

Key funding triggers for UK hotels

• Refurbishments and rebranding to improve rates and occupancy
• Seasonal working capital to cover pay run gaps in quieter months
• Purchase or refinance of freehold/leasehold properties
• Equipment and asset upgrades (kitchens, laundry, AV)
• Energy efficiency and sustainability projects

Want specific options for hospitality lenders? Get a Free Eligibility Check and we’ll match you to brokers who specialise in hotel finance.

Funding options available through our lender & broker panel

Fast Business Loans connects hotels with lenders offering a variety of products. We don’t lend — we introduce you to the most relevant providers for your needs.

Note: Our panel can consider loans from approximately £10,000 upwards. To see what your hotel could access, Get Quote Now.

How Fast Business Loans connects hotels to finance — in four steps

1. Complete a short enquiry (under 2 minutes) — this is not an application, just information to match you.
2. We use sector filters to select lenders/brokers experienced in hotels.
3. Relevant partners contact you with options and next steps (often within hours).
4. You review proposals and decide — no obligation or pressure from us.

Ready to start? Start Your Free Eligibility Check.

Eligibility & documentation hotels should prepare

Different lenders have different appetites, but preparing key documents speeds decisions.

Who our panel can consider

• Limited companies and partnerships operating hotels or guest accommodation (including chains and independent hotels).
• Newly acquired hotels — considered on a case-by-case basis when management experience and a clear plan are provided.

Typical information lenders request

• Basic business details, trading history and ownership structure
• Most recent annual accounts and management accounts
• Turnover, average occupancy, ADR (average daily rate) and major contract information
• Refurb costings or project quotes for capital projects
• Property details and valuations for secured options
• Identification documents for directors and AML checks

What if your hotel has adverse credit?

Adverse credit doesn’t always exclude you. Some specialist lenders and brokers can consider historical issues if the hotel’s cashflow, experience and security are credible. Tell us about the situation in your enquiry — we’ll match you with partners who can help.

Comparing loan structures for hotels

Unsecured vs secured

Unsecured loans are quicker and require no property charge but usually offer smaller amounts and higher rates. Secured loans (property or fixed-charge) can provide larger sums and longer terms but increase lender control and may prolong completion times.

Asset & equipment finance

Good for ovens, laundry machines, EV chargers and fittings. Often structured to align repayments with asset life so cashflow impact is smoothed.

Invoice & merchant finance

Unlock cash from corporate accounts receivable or card turnover to smooth seasonal gaps. These facilities can flex with sales volumes.

Bridging & acquisition loans

Fast access for purchases or urgent projects; expect short terms and higher costs, often replaced by longer-term finance later.

Costs, rates and repayment considerations

Rates vary widely by product and lender. Indicative APRs depend on credit profile, security and term. Expect unsecured facilities to carry higher rates than secured products. Fees may include arrangement fees, broker fees and valuation costs. Always confirm full terms with any lender before proceeding. Fast Business Loans does not set or advertise rates — your matched partner will provide personalised terms.

See what terms your hotel could access — Get Quote.

Preparing a successful hotel finance proposal

Well-prepared applications increase chances of a quick, favourable response. Key tips:

• Provide seasonality cashflow forecasts (best-, expected- and worst-case).
• Supply contractor quotes, project timelines and expected uplift in revenue after works.
• Highlight management experience and proof of occupancy improvements (letters, contracts).
• Include any energy savings estimates or grant funding that reduces loan size needed.

Real-world funding scenarios

Below are anonymised, illustrative examples showing how introductions through Fast Business Loans can help.

Curious how your hotel compares? Start Your Free Eligibility Check and see options within hours.

Frequently asked questions: hotel business finance

How quickly can a hotel expect funds?

After the enquiry, partners typically respond within hours. Funding timelines vary: some unsecured loans can complete in days, whereas property-backed or acquisition finance may take several weeks to months depending on valuations and legal processes.

Will submitting an enquiry affect our credit score?

No — submitting an enquiry through Fast Business Loans does not impact your credit rating. If you proceed with a specific lender or broker after an introduction, they may carry out credit checks as part of underwriting.

Can newly acquired hotels access finance?

Yes. Lenders will assess purchase terms, management experience and business projections. Where a new acquisition has strong trading forecasts and security, many partners will consider funding.

Do you work with branded or franchise hotels?

Yes — many lenders and brokers understand branded and franchised models, and will consider franchise agreements, brand fees and central reservations when assessing applications.

Do lenders fund energy-efficiency upgrades?

Yes. Many lenders support sustainability projects — sometimes at preferential rates — especially where cost savings are demonstrated. Grants and incentives may also be combined with loans to reduce financing needs.

What support do you offer after introduction?

We introduce you to the most relevant lenders and brokers; after that, your chosen partner will guide you through the full application, documentation and funding stages. We remain available to assist with new enquiries.

Next steps: secure finance for your hotel today

Fast Business Loans makes it simple: tell us what you need, and we’ll introduce you to hospitality-focused lenders and brokers who can help. Complete our secure enquiry and you’ll hear back quickly with tailored options.

Start Your Free Eligibility Check — takes under 2 minutes · free · no obligation.

Compliance & transparency: Fast Business Loans is an introducer that connects hotel operators with lenders and brokers. We are not a lender and we do not provide regulated financial advice. Submitting an enquiry is not an application and does not trigger a credit search by us. Your matched lender or broker will provide specific terms and any credit checks if you choose to progress.

For specialist guidance on hotel finance types, see our hotels business loans hub: hotels business loans.

1) What types of hotel business finance can I access?
You can be matched to unsecured and secured business loans, asset and equipment finance, invoice and merchant cashflow facilities, and bridging/acquisition finance tailored to UK hotels.

2) What’s the minimum and maximum loan size for hotels?
Our panel typically considers from around £10,000 upward, with secured or property-backed facilities potentially reaching £5m+ subject to lender criteria.

3) How quickly can a hotel get funded?
After a free enquiry, partners often respond within hours, with some unsecured loans completing in days and property-backed deals taking weeks due to valuations and legals.

4) Will submitting an enquiry affect my credit score?
No—our enquiry is not an application and doesn’t trigger a credit search, though lenders may run checks if you choose to proceed after an introduction.

5) Do you fund refurbishments and sustainability upgrades (EPC, EV chargers, solar)?
Yes—specialist lenders on our panel support refurb projects and green upgrades, especially with clear costings and savings projections.

6) Can you help with seasonal working capital for hotels?
Yes—options like unsecured loans, invoice finance and merchant cashflow facilities can help smooth cashflow during quieter months.

7) Can newly acquired or start-up hotels access finance?
Yes—many lenders consider new acquisitions where management experience, forecasts and security are credible.

8) What documents should a hotel prepare to speed up approval?
Have recent accounts, management figures, occupancy and ADR data, project quotes, property details for secured loans, and director ID/AML ready.

9) Can hotels with adverse credit still be considered?
Potentially yes—some specialist lenders will look past historical issues if current cashflow, experience and security stack up.

10) Is Fast Business Loans a lender and do I have to proceed?
We’re an introducer that connects you with hospitality-focused lenders and brokers, the enquiry is free and there’s no obligation to proceed.