Restaurant Business Loans Made Fast – Get Matched with Trusted UK Lenders
Summary: If you run a UK restaurant and need funding—for working capital, equipment, a refit or to manage seasonal cashflow—Fast Business Loans connects you quickly with lenders and brokers suited to hospitality businesses. Complete a short, no-obligation enquiry (no impact on your credit score) and get matched with providers who can offer loans of £10,000 and up. Get Started – Free Eligibility Check
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.
No application here — just a fast way to find the best lending partners for your restaurant. We introduce you to lenders and brokers who will follow up with tailored quotes.
Why restaurants turn to Fast Business Loans
Running a restaurant is capital-intensive. From replacing kitchen kit to funding a seasonal payroll spike, owners often need money fast but don’t have hours to compare dozens of lenders. Fast Business Loans is a free introducer service that shortens that search: you tell us what your business needs and we connect you with lenders and brokers who specialise in hospitality and catering.
- Save time: a short enquiry connects you to appropriate providers within hours.
- Better matches: partners who understand restaurant cashflow cycles and equipment lifecycles.
- No obligation: the enquiry is used to match you — you decide whether to proceed.
Free Eligibility Check — enquiry won’t affect your credit score.
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 funding challenges in 2024–25
Hospitality businesses face multiple pressures: rising energy and ingredient costs, tight staff markets, and fast-moving consumer tastes. These increase the need for working capital and investment in efficiency upgrades.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
- Seasonal cashflow fluctuations (peak trading vs quiet months)
- Large one-off costs: kitchen equipment, ventilation, POS systems, extraction
- Refurbishment and compliance upgrades (layout changes, accessibility)
- Supply chain and invoice timing delays
Fast matching to lenders means you can act on supplier discounts, secure a summer-ready refit, or cover payroll while awaiting invoices.
Finance solutions we can help you access
Working capital loans
Short-term loans to cover day-to-day cashflow requirements. Typical amounts: £10k–£250k. Repayment styles: fixed term or revolving facilities.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Merchant cash advance
Advance against future card takings — useful if you have steady card volumes. Amounts vary based on turnover; repayment linked to sales.
Asset & equipment finance
Finance commercial ovens, refrigeration, POS systems or delivery vans. Options include hire purchase and leasing; loans often from £10k upwards.
Fit-out & refurbishment finance
Funding for kitchen refits, dining room refreshes or expansion into new space. Typical facility sizes: £25k–£500k depending on scope and security.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Invoice & trade finance
Unlock cash tied in catering contracts or supplier invoices to smooth cashflow for larger events or contracts.
VAT & tax funding
Short-term loans to cover VAT bills, PAYE liabilities or seasonal tax demands while you organise longer-term finance.
Find My Best Match — tell us what you need and we’ll connect you to the right lenders/brokers.
Restaurant finance options at a glance
| Finance type | Typical use | Amount range | Time to funding | Security required |
|---|---|---|---|---|
| Working capital | Cashflow gaps, payroll | £10k–£250k | 24–72 hours (unsecured) | Usually unsecured or personal/corporate guarantee |
| Merchant cash advance | Short-term sales advance | £5k–£200k | 48–96 hours | No fixed asset security; tied to card sales |
| Asset finance | Ovens, fridges, vehicles | £10k–£500k+ | 3–10 working days | Asset-backed |
| Refurbishment loans | Fit-outs, expansion | £25k–£1m | 1–4 weeks | Often secured |
How Fast Business Loans works for restaurants
- Complete the short enquiry — under 2 minutes. Provide basic business details and the funding amount you need. Start your free eligibility check.
- We match you — your details are shared with selected lenders/brokers who specialise in hospitality.
- Receive rapid responses — expect contact by email or phone. Providers discuss terms and next steps.
- Compare and decide — review offers and choose the lender that suits your goals. No obligation to proceed.
Important: Fast Business Loans introduces you to lenders and brokers; we do not lend or provide regulated financial advice. The lender or broker will set fees, rates and terms.
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.
Eligibility snapshot — what lenders typically look for
- Registered limited companies, franchisees and multi-site operators (we do not handle sole trader applications).
- Minimum loan size: usually £10,000 and up.
- Typically 6–12 months trading history for unsecured facilities; lenders may consider start-ups with strong plans for certain products.
- Recent business bank statements, management accounts, and ID for directors.
- Previous credit issues are not always disqualifying — many lenders specialise in hospitality cases.
Not sure if you qualify? Check your eligibility in minutes — we’ll match you to partners who can consider your circumstances.
Restaurant use cases & mini-case studies
Independent bistro — Manchester
Need: full kitchen refit and new extraction. Outcome: matched to a lender that arranged a £85,000 refurbishment package secured against premises; completed in 3 weeks.
Fast-casual chain — Midlands
Need: short-term working capital ahead of summer trading. Outcome: merchant cash advance provided within 48 hours, bridging cashflow until seasonal sales arrived.
Event caterer — London
Need: commercial ovens and a refrigerated van. Outcome: asset finance package spread over 5 years, preserving cash while upgrading capacity.
Get Quote Now — tell us your project and we’ll connect you to lenders experienced in hospitality.
The cost of waiting — why speed matters
Delaying funding can lose you supplier discounts, push a refit past a key season, or force costly short-term borrowing. Fast matching increases the chance you secure the right product before opportunities pass.
Start your enquiry — get matched to providers ready to act quickly.
Financial responsibility & compliance
We aim for clear, honest information. Fast Business Loans is an introducer — we do not provide regulated financial advice or make lending decisions. When you receive offers from lenders or brokers they will set rates, fees and terms. Consider affordability and seek independent advice if unsure.
Enquiry microcopy: “No impact on your credit score to enquire. Quotes subject to lender approval.”
Frequently asked questions
Can a newly opened restaurant apply?
Yes. Some of our partners consider start-ups, particularly for asset finance and fit-out funding where a solid business plan and projections are provided.
How quickly can I get funding?
Times vary by product. Working capital or merchant cash advances can complete within 24–72 hours; asset finance or secured refurbishment loans may take 1–4 weeks.
Will my enquiry affect my credit score?
No — submitting the Fast Business Loans enquiry itself does not impact your credit file. Lenders may perform credit checks later if you choose to proceed.
Can you help with franchise or multi-site funding?
Yes. We work with lenders and brokers experienced in franchise and multi-site financing needs.
What minimum loan size do providers consider?
Typical minimums start around £10,000, though some specialist lenders can consider smaller asset finance deals. Our matching process will identify appropriate partners.
What documents should I have ready?
Recent business bank statements, management accounts or VAT returns, ID for directors, and details of the funding need are commonly requested.
Further reading & resources
For a deeper sector guide, see our dedicated restaurants resource on restaurants business loans: restaurants business loans.
Ready to explore quotes for your restaurant?
Complete a short, no-obligation enquiry and we’ll match you with lenders and brokers who can help. It takes under two minutes and won’t affect your credit score.
About Fast Business Loans
Fast Business Loans connects UK businesses with trusted lenders and brokers. We don’t lend and we don’t provide regulated financial advice — we introduce you to providers who can offer quotes tailored to your needs. Our service is free to use and no-obligation.
Please consider affordability; loan offers are subject to lender terms and approval. Borrow responsibly.
– What is Fast Business Loans and how does it help UK restaurants?
Fast Business Loans is a free introducer that matches UK restaurants with trusted lenders and brokers for working capital, equipment, fit-out and other finance within hours.
– Is the enquiry a loan application and will it affect my credit score?
No — it’s a quick, no‑obligation eligibility check that won’t affect your credit score; lenders may run checks only if you decide to proceed.
– What types of restaurant finance can I be matched with?
Working capital loans, merchant cash advances, asset/equipment finance, fit‑out and refurbishment finance, invoice/trade finance, and short‑term VAT/tax funding.
– How fast can restaurants receive funding?
Unsecured working capital or merchant cash advances can fund in 24–72 hours, while asset‑backed or refurbishment facilities typically take 1–4 weeks.
– What loan amounts are available for restaurants?
Most partners consider £10,000+, with some merchant cash advance or asset deals from around £5k and refurbishment facilities up to £1m+ depending on criteria.
– Who is eligible to enquire for restaurant finance?
UK limited companies, franchisees and multi‑site operators (not sole traders) can enquire, typically with 6–12 months’ trading, and some start‑ups may qualify for asset or fit‑out funding with a strong plan.
– What documents will lenders usually ask for?
Expect recent business bank statements, management accounts or VAT returns, director ID, and details/quotes for the funding need.
– Can you help if my restaurant has bad credit or I’ve been declined elsewhere?
Yes — many partners specialise in hospitality and will consider credit blips or previous declines subject to affordability and lender criteria.
– Will I need security or a personal guarantee?
Many working capital loans are unsecured but may require a personal or corporate guarantee, while asset finance is secured against the equipment and larger refurbs are often secured.
– Does your service cost anything and who sets rates and fees?
Our matching service is free and no‑obligation, while rates, fees and terms are set and disclosed by the lender or broker you choose.