Why hotels turn to Fast Business Loans

Specialist support for hospitality

Hotels face unique finance needs: seasonal occupancy swings, periodic refurbishments, compliance and energy upgrades, or short-term payroll pressures. Our matching service connects you with brokers and lenders who specialise in hospitality so your enquiry goes to partners who actually understand RevPAR, occupancy, and fit-out budgets.

Save time and increase approval odds

Instead of contacting multiple lenders and repeating the same details, complete one short form and we’ll match you with appropriate partners. By routing your enquiry to lenders who focus on hotels we reduce wasted applications and increase your chance of receiving suitable offers quickly.

No-cost, no-obligation service

Our enquiry is free to submit and carries no obligation. We securely share your details only with selected lenders/brokers who can help. Initial enquiries do not affect credit files.

Get Quote Now — Free Eligibility Check

Funding scenarios we see from UK hotels

Hotels use finance for many reasons. Typical scenarios include:

• Refurbishment & rebranding — upgrading bedrooms, bathrooms, reception areas and F&B spaces to boost rates and occupancy.
• Expansion — acquiring or developing a second site, adding conferencing or leisure facilities.
• Energy-efficient upgrades — solar PV, heat pumps, EV chargers and insulation that reduce running costs and support sustainability targets.
• Seasonal cashflow bridging — smoothing payroll and supplier payments during quieter periods.
• FF&E purchases — funding new furniture, fixtures and equipment for rooms, kitchens and public spaces.
• Debt consolidation — replacing multiple high-cost facilities with a single, more manageable product.

Example success (anonymised): a coastal boutique hotel used a secured holiday-season bridge, then refinanced into a longer-term mortgage-style loan after refurbishment raised occupancy and margins. If you want sector-specific examples and guidance, we can match you with brokers familiar with hotel lending and funding cycles. For more sector detail see our hotels industry page on hotels business loans which explains common lender preferences and typical structures.

Free Hospitality Finance Check

Finance products available via our panel

Through our network you can access a broad mix of products. Below are the types of finance most commonly used by hotel operators:

Unsecured & secured business loans

Flexible term loans for refurbishment, working capital or fit-out. Unsecured options are quicker but usually costlier; secured loans offer larger sums and longer terms when property or assets are available as security. Typical funding starts at £10,000 and can extend into six-figure amounts and beyond.

Commercial mortgages & bridging loans

Used for acquisitions, refinance and rapid purchases. Bridging loans provide short-term capital to complete purchases quickly; commercial mortgages refinance these into longer-term, lower-cost facilities.

Asset & equipment finance

Hire purchase, leases or asset refinance for kitchen equipment, laundry machines, minibuses and more—keeping cashflow healthy while replacing or upgrading essential assets.

Invoice finance & merchant cash advances

Invoice factoring or discounting to unlock cash tied up in corporate accounts, and merchant cash advances for businesses with strong card takings from bookings and food & beverage.

Revolving credit & overdraft alternatives

Lines of credit and revolving facilities for ongoing working capital needs without reapplying for new loans each season.

All terms depend on lender assessment, security and trading history. If you’re unsure which product fits, submit a short enquiry and we’ll match you to specialists who can explain options in plain English.

Talk to Hospitality Finance Specialists — Start Your Enquiry

How our enquiry-to-match process works

1. Complete a short form — tell us the amount, purpose and quick trading details. It takes under two minutes.
2. We match your business — your details are routed to selected brokers/lenders who understand hospitality.
3. Rapid response — expect contact by phone or email to discuss options and next steps.
4. Compare offers and decide — you choose whether to proceed; there’s no pressure to accept any quote.

Benefits: faster turnaround, fewer incompatible approaches, and clearer comparisons. Initial enquiries don’t impact credit scores; lenders may perform checks later with your permission.

“Submitting our enquiry cut the search time from weeks to days — matched with a lender who understood seasonal trading.” — Hospitality owner (anonymised)

Complete Your 2‑Minute Form

Eligibility snapshot for hotel businesses

Each lender has its own criteria. When you enquire we’ll ensure your request goes to suitable partners to avoid unnecessary rejections.

Free Eligibility Check

What sets Fast Business Loans apart

Hospitality insight

We route enquiries to brokers and lenders with hospitality experience—those who recognise seasonal variance, conference pipelines and F&B revenue drivers.

Transparent, human support

Our service is free to hotelier users. We explain what to expect from the matching process and who will contact you.

Speed & responsiveness

Typical responses come within hours during business days. We focus on rapid, relevant matches rather than blanket submissions to dozens of unsuitable lenders.

Speak with a Hospitality Finance Partner

Tips for strengthening your hotel finance application

• Keep recent management accounts and P&L summaries ready — lenders want up-to-date trading evidence.
• Prepare occupancy data and RevPAR figures — these explain seasonal patterns and income stability.
• For refurbishments, provide cost estimates and expected uplift in rates — lenders like clear ROI narratives.
• Showcase experienced management or operators — lenders value strong operational teams.
• Detail energy and sustainability plans where applicable — many lenders welcome efficiency upgrades that reduce running costs.
• Consolidate documentation in one place to speed underwriting and decision-making.

For more detailed sector guidance see our industry resources or ask to be matched with brokers experienced in hospitality lending.

Get Matched — Free Eligibility Check

FAQs: Hotel business loans

What is the typical turnaround from enquiry to funds?

Initial contact is usually within hours. Time to funds varies: unsecured loans or merchant advances can complete in days; secured mortgages or large commercial facilities may take several weeks.

Can leasehold hotels apply?

Yes. Many lenders and brokers will consider leasehold properties — suitability depends on lease length, covenants and security requirements.

Do you help boutique and start-up hotels?

Yes. Our panel includes specialists who assist smaller boutique operators and growth-stage hotels, though product suitability varies with trading history.

Will I be pressured to proceed?

No. We introduce you to lenders/brokers; any decision to proceed is your choice. Our service is free and non-obligatory.

What information is needed for the eligibility check?

Basic business details, amount required, purpose of funds and contact info. More detailed documentation is only requested by lenders if you progress.

How do broker fees work?

Broker fees differ by provider—some brokers are paid by lenders, others charge arrangement fees. Fast Business Loans does not charge you to submit the enquiry.

Next steps: start your hotel finance enquiry

If you’re ready to explore funding options for refurbishment, expansion or working capital, complete our short enquiry and we’ll match you with lenders and brokers who specialise in hospitality. It’s quick, secure and free — and it’s the fastest way to receive tailored quotes from partners who understand hotels.

Start Your Enquiry – Get Matched Fast