Hotels Business Loans: Fast, Flexible Finance for UK Hoteliers
Summary: If you run a hotel in the UK and need funding for refurbishment, seasonal cashflow, expansion or sustainability upgrades, Fast Business Loans connects you—quickly and free of charge—with experienced lenders and brokers who specialise in hospitality. We do not lend money; we match your business to the best providers for your circumstances. Complete a short, obligation-free enquiry to get a Free Eligibility Check and tailored matches from providers that can consider loans from £10,000 and upwards.
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.
Why UK Hotels Need Tailored Funding Right Now
The hospitality sector is navigating higher energy bills, rising staffing costs, and changing travel patterns. Many hotels face sharp seasonal swings in revenue, while refurbishment or sustainability projects require one-off capital that banks don’t always deliver quickly. Whether you’re updating guest rooms to meet guest expectations, installing energy-saving systems, or smoothing low-season cashflow, the right funding can protect margins and unlock growth.
Free Eligibility Check — Get Started (takes under 2 minutes; no obligation).
Common Hospitality Finance Challenges
Seasonal Revenue Peaks and Low-Season Cashflow
Hotels often see high occupancy for parts of the year and low occupancy at other times. That creates short-term cashflow gaps for payroll, suppliers or maintenance. Lenders that understand hospitality seasonality can tailor repayment schedules and overdraft solutions to match trading cycles.
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.
Funding Large Refurbishments or Expansions
Major refurbishments—room upgrades, restaurant fit-outs or adding conference space—require larger, sometimes secured facilities. A mix of asset finance, term loans or commercial mortgages may be used to spread cost over time while preserving working capital.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Managing Supplier Contracts & Rising Operating Costs
Long supplier contracts, energy upgrades and staffing pressures can squeeze margins. Refinance or working capital facilities, including invoice finance for large OTA or corporate invoices, help bridge timing differences between income and payments.
How Fast Business Loans Supports Hotel Owners
Fast Business Loans is a no-cost introducer matching UK hotels with lenders and brokers who specialise in hospitality finance. We simplify the search process: tell us what you need, and we connect you with partners who can assess your case quickly. Benefits include:
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
- Faster matches to sector-experienced brokers and lenders
- Access to a broad panel of finance products for hotels
- No obligation to proceed after your matches
- Privacy and secure sharing of your enquiry with relevant partners only
Finance Options for Hotels & Hospitality
Below are the most commonly used facilities for hotels. Typical values start from £10,000 and can go significantly higher depending on lender appetite.
Unsecured Working Capital Loans
Short- to medium-term loans to cover payroll, seasonal dips or emergency costs. Faster decision times, but usually higher rates than secured options.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Secured Term Loans & Commercial Mortgages
Used for larger acquisitions, long-term refurbishments or refinancing. Security is commonly the hotel property or company charges; terms and rates vary by lender.
Asset & Equipment Finance (FF&E, kitchen, laundry)
Spread the cost of furniture, fixtures and equipment over their useful life. Often tax-efficient and preserves working capital.
Fit-Out & Refurbishment Finance
Purpose-built facilities that fund staged refurb programmes with drawdowns linked to works milestones.
Invoice Finance
Unlock cash tied up in large invoices from corporate clients or Online Travel Agents (OTAs). Useful where large settlements or slow payers create liquidity issues.
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.
Merchant Cash Advances
Advances repaid from a percentage of card takings—fast but can be expensive; works for hotels with steady card turnover.
Bridging Loans
Short-term loans to cover acquisition or urgent works until longer-term finance is arranged.
Sustainability Loans
Funding for energy-efficiency projects—solar PV, heat pumps, EV chargers—with lenders increasingly offering facilities that recognise energy savings.
Availability, term, and rates depend on the hotel’s trading performance, security and the chosen product. See which products your hotel qualifies for.
Eligibility Snapshot — What Lenders Typically Look For
Requirements vary by lender and product, but common checks include:
- Minimum: trading history (often 12–24 months) and management accounts
- Occupancy and RevPAR trends
- Property value and security available (for secured loans)
- Management experience and business plan for growth or refurbishment
- Bank statements and VAT/CIS records (where applicable)
New acquisitions or recently restructured businesses may be matched to specialist brokers offering bridging or investor-backed solutions. Start a Free Eligibility Check.
Costs, Rates & Repayment Considerations
Interest rates and fees depend on the product, security offered and the business’s risk profile. Points to consider:
- Secured loans usually offer lower rates than unsecured facilities.
- Arrangement, valuation and legal fees may apply—ask lenders for a full schedule of costs.
- Flexible repayment plans (e.g., seasonal capital repayments) may be negotiated for hospitality businesses.
- Always compare total cost of borrowing, not just the headline rate.
Quotes are personalised—complete a short enquiry and receive indicative offers to compare. Get My Hotel Finance Quote.
What to Expect When You Enquire
Step 1 — Complete Our Short Enquiry
Provide basic business details, the funding amount and purpose. The form does not trigger a credit search.
Step 2 — We Match You with Hospitality-Focused Partners
Your enquiry is shared only with relevant lenders or brokers in our panel who can help with hotel finance.
Step 3 — Discuss Options & Receive Indicative Offers
Partners typically contact you by phone or email to clarify details and provide indicative proposals.
Step 4 — You Decide, No Obligation
Compare proposals and proceed directly with your chosen lender or broker.
Preparing Your Hotel for Funding Success
Ahead of conversations with brokers and lenders, gather:
- Latest management accounts and 12–24 months’ bank statements
- Occupancy and RevPAR figures or forecast
- Refurbishment scope, quotations and project timeline (if applicable)
- Business plan or summary of how funds will improve profitability
- Details of any existing borrowing or charges on the property
Having clear numbers speeds up sourcing and improves the quality of the offers you receive. Match Me with a Specialist
Real-World Hospitality Funding Scenarios (Illustrative)
Example 1 — Boutique coastal hotel refurbishment: needed £250k to modernise 12 rooms. Outcome: matched to a lender offering staged refurbishment finance combined with asset finance for new FF&E. Result: works completed while maintaining working capital.
Example 2 — Rural inn short-term cashflow: required £30k to cover winter payroll and supplier invoices. Outcome: introduced to invoice finance and short-term working capital facility; business avoided short-term closures and prepared for peak season.
Example 3 — Hotel group sustainability project: multi-site energy-efficiency upgrades funded with a sustainability loan that recognised expected cost savings. Outcome: lower energy costs and improved capital allowances.
Outcomes vary by circumstance; examples are for illustration only.
Why Hotels Choose Fast Business Loans
We save you time and increase the chance of finding a suitable funding route by matching you to lenders and brokers who understand hospitality. Our service is free to use, simple to start, and there’s no obligation to accept any offer.
Important: Fast Business Loans is an introducer; we are not a lender and do not provide financial advice. Quotes are obligation-free and tailored by the partners we connect you with.
Frequently Asked Questions
Is Fast Business Loans a lender?
No. We introduce hotels to brokers and lenders who offer finance directly. You decide whether to proceed with any introduced partner.
Will submitting an enquiry affect our credit score?
No. Completing our enquiry form does not trigger a credit check. Lenders/brokers may carry out checks later if you apply.
Can you help with hotel acquisitions or refinancing?
Yes. We match to brokers and lenders experienced in acquisitions, bridging and longer-term refinancing options.
How quickly will we hear back?
Many hotels hear from a broker within hours during working hours; actual times depend on partner availability and the complexity of the request.
What is the minimum loan size?
Our partners typically consider facilities from around £10,000 upwards—availability varies by product and lender.
Do you charge hotels to use this service?
No. Our introducer service is free for business owners. Any fees charged by brokers or lenders will be disclosed by them.
Helpful Resources for UK Hoteliers
Further reading and sector guides help you plan projects and applications. For a broader overview of sector-specific options, see our hotels business loans guide: hotels business loans.
Ready to Explore Your Hotel Finance Options?
Get a fast, obligation-free match to lenders and brokers who understand hospitality. It takes under 2 minutes to complete the enquiry and doesn’t affect your credit score.
Start Your Free Eligibility Check Now
Fast Business Loans is an introducer matching service. We do not lend money or provide regulated financial advice. Quotes and eligibility depend on the lenders and brokers we introduce; terms vary by provider. Loans are available from £10,000 upwards. We only share your details with partners relevant to your enquiry. For full terms see our Privacy & Terms pages.
– Is Fast Business Loans a lender? No—Fast Business Loans is a free introducer that matches UK hotels with trusted brokers and lenders, and you choose whether to proceed.
– Is the enquiry a loan application? No—the enquiry is simply to gather details so we can match your hotel with suitable finance partners, with no obligation to continue.
– Will submitting a hotel finance enquiry affect my credit score? No—our enquiry does not trigger a credit check, and any checks only happen if you proceed with a lender.
– What types of hotel finance can you match me with? We can connect you to working capital loans, secured and unsecured business loans, commercial mortgages, asset and equipment finance, invoice finance, merchant cash advances, bridging loans and sustainability loans for hotels.
– How fast can UK hotels get funding? Many hoteliers hear from a broker within hours and some facilities can complete in days once documents are supplied, subject to lender assessment.
– What is the minimum loan amount for hotel business finance? Our partners typically consider facilities from around £10,000 upwards, with higher amounts available depending on product and security.
– What are typical eligibility criteria for hotel finance? Lenders often look for 12–24 months’ trading, management accounts, occupancy/RevPAR trends, available security (for secured loans), bank statements and a clear plan for use of funds.
– Can you help with refurbishments, sustainability upgrades or acquisitions? Yes—we match hotels with lenders for refurbishment and fit-out finance, energy-efficiency funding, commercial mortgages, bridging and refinancing.
– What will hotel loan rates and costs look like? Rates vary by product and risk, with secured options usually cheaper than unsecured, and fees such as arrangement, valuation and legal costs may apply—always compare total cost of borrowing.
– What documents should I prepare to speed up approval? Prepare recent management accounts, 12–24 months’ bank statements, occupancy/RevPAR figures or forecasts, project quotes and timelines, a brief business plan and details of existing borrowing.