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 Business Loans & Finance for UK Hospitality Businesses
Quick summary: Fast Business Loans connects UK restaurants, cafés, takeaways and catering businesses with specialist lenders and brokers for loans of £10,000 and above. We don’t lend or give regulated financial advice — we match your business with the most suitable finance providers so you can compare options quickly. Complete a short, no-obligation Free Eligibility Check and we’ll introduce you to the right partners. Get Started – Free Eligibility Check
Restaurant Business Loans at a Glance
Need finance for a fit-out, new ovens, staff payroll or seasonal stock? Fast Business Loans makes it fast and simple to find matched restaurant funding solutions. We work with brokers and lenders experienced in hospitality finance and can help businesses seeking from around £10,000 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.
- Who we help: limited companies, small and medium restaurants, cafés, takeaways and catering firms (no sole trader/professional-only offerings).
- Typical loan sizes: £10k to multi-million depending on lender and product.
- Decision times: from same-day eligibility guidance to lenders’ decisions in a few days (varies by product).
- Zero obligation: making an enquiry does not commit you to a loan.
Free Eligibility Check — Get Quote Now • Takes less than 2 minutes • We only share your details with relevant, trusted partners.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Why Restaurants Choose Fast Business Loans
We specialise in matching hospitality businesses with lenders and brokers who understand the trade. We’re not a lender and we don’t provide regulated financial advice — we introduce you to partners who can.
Speed
Short enquiry, fast matches. Our partners value sector-specific details so you avoid generic rejections and wasted time.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Specialist Partners
We work with brokers and lenders experienced in hospitality finance — from equipment funding to working capital and refinancing.
Transparent & Free
Our service is free to use. We explain next steps clearly and you decide whether to proceed with any lender. Your enquiry will not affect your credit score.
Get Started – Free Eligibility Check
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Funding Challenges UK Restaurants Face Today
The hospitality sector faces volatile demand, rising energy costs, recruitment pressures and supply-chain disruption. Those factors put pressure on cash flow and make targeted funding essential.
Seasonality (e.g., quieter months), unexpected equipment failure and refurbishment needs are common reasons restaurants look for finance. Matching the right product to the problem improves approval chances and cost-efficiency.
Finance Options We Can Help You Access
Fast Business Loans connects you with providers offering a range of hospitality finance solutions. Below are common options and typical uses.
Working Capital Loans
Short- to medium-term loans to bridge cash flow gaps — useful for payroll, stock and lean months. Typical ranges from £10k–£250k depending on turnover and lender criteria.
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 Advance (MCA)
Advance against card takings; repayments flex with sales. Good for businesses with strong card volumes but seasonal variation — costs vary and should be compared carefully.
Equipment & Fit-out Finance
Asset finance for ovens, refrigeration, POS systems or full fit-outs. Often structured as hire-purchase or lease agreements which preserve cash flow and can include VAT funding.
Invoice Finance for Catering Contracts
Release cash tied up in unpaid invoices (useful for catering contracts or ongoing event work). Typical facilities scale with invoice volumes and can be tailored to sector cash cycles.
Property & Leasehold Loans
Loans to buy or refurbish premises or to fund leasehold improvements. These products may require more documentation and longer decision times.
Sustainability & Energy-efficiency Funding
Finance for energy-saving equipment (e.g., efficient fridges, LED lighting, solar). Many lenders and specialist funds now offer competitive terms for green upgrades.
Ready to compare providers? Get a Restaurant Finance Quote
How Our Restaurant Funding Match Service Works
- Quick enquiry: You tell us the business basics and funding need (under two minutes).
- Targeted match: We match you to lenders or brokers experienced in hospitality funding.
- Rapid contact: Matched partners contact you by phone or email to discuss options and next steps.
- Compare & decide: Review offers, ask for full written quotes and choose the best fit. We do not influence your decision.
Your enquiry will not affect your credit score. If you proceed, lenders/brokers may perform checks as part of their application process.
What Lenders Look For in Restaurant Applications
Trading History & Turnover
Many lenders prefer established trading history and consistent turnover, though specialist funders support newer businesses with strong plans.
Cash Flow & Seasonality
Clear month-by-month cash flow and POS reports help lenders understand peak and quiet periods and structure repayments accordingly.
Business Plan & Menu Strategy
A concise plan showing customer demographics, margins and growth strategy reassures lenders of viability.
Collateral & Guarantees
Some products require security (assets or property) or personal guarantees. Expect transparent disclosure from any lender on these terms.
Delivery & Platform Evidence
Proof of delivery partnerships or third-party ordering performance can strengthen short-term finance applications.
Improve Your Approval Chances
- Keep up-to-date accounts (management accounts and recent bank statements).
- Provide POS and booking system reports showing sales trends.
- Have proof of contracts for regular catering work or franchise agreements where applicable.
- Display hygiene ratings and any relevant licences — they matter to some lenders.
- Prepare a short one-page plan explaining use of funds and expected outcome.
Small improvements in documentation often lead to faster decisions and better offers.
Loan Use Cases Across the Restaurant Lifecycle
Below are typical use cases by business stage — amounts and terms vary by lender.
Start-up / Launch
Use: fit-out, equipment, initial stock. Typical: £10k–£150k. Many lenders require a credible plan and demonstration of market demand.
Growth
Use: marketing, hire staff, expand trading hours. Typical: £20k–£300k. Working capital and asset finance can be combined.
Multi-site Expansion
Use: site acquisition, larger equipment fleets. Typical: £100k+. Structured commercial finance and property lending may apply.
Turnaround or Seasonal Support
Use: short-term bridging for quieter months or after an incident. Typical: £10k–£200k. Merchant cash advances and short-term loans are options.
Representative Scenario (Example Only)
Example: A 40-cover city bistro needs £45,000 to replace refrigeration and cover six weeks’ seasonal payroll. After submitting a short enquiry, the owner was matched with two brokers: one offered equipment hire-purchase (5-year term) and another proposed a 12-month working capital loan to cover payroll. The owner compared total costs, chose the hire-purchase to protect cash flow, and completed the provider’s application. (This is a fictional example — actual offers vary.)
Transparent Costs & Responsible Lending
Costs and APRs are set by lenders and vary by product, term and business risk. Fast Business Loans may receive a commission from partners if you proceed — there is no charge to you for the matching service.
Always ask any lender for a full written quote showing fees, interest, and total cost. Finance is subject to status and affordability checks.
Why Acting Now Matters for Hospitality Businesses
Securing funding ahead of seasonal peaks, completing energy-saving upgrades to reduce bills, or moving quickly on a desirable premises can create competitive advantage. Waiting can push costs up or miss growth windows.
FAQs: Restaurant Finance with Fast Business Loans
Does an enquiry affect my credit score?
No. Making an enquiry through our form will not impact your personal or business credit score. Lenders may perform checks only if you proceed.
Are start-ups eligible?
Yes — some of our partners specialise in early-stage hospitality funding. Eligibility depends on the lender and the strength of your plan.
Do you handle franchise businesses?
Yes. We can match franchise operators with lenders experienced in franchise finance.
How quickly will I hear back?
Often within hours during business days; some lenders contact you within minutes depending on your need and product type.
Do you work with restaurants needing under £10,000?
Our panel generally arranges finance from around £10,000 upwards. For smaller sums, consider other specialist micro-lenders.
What documents are usually required?
Recent business bank statements, management accounts, VAT returns (if applicable), ID and proof of address, and POS reports. Specifics vary by lender.
Get Your Free Restaurant Finance Eligibility Check
Fast Business Loans connects your business to lenders and brokers who understand hospitality. We do not lend and we do not give regulated financial advice — we introduce you to trusted partners who can help. Your enquiry is free and with no obligation.
Get Started – Free Eligibility Check • Takes less than 2 minutes • We only share your details with relevant, trusted partners.
Mandatory information: Fast Business Loans is an introducer — we are not a lender and do not provide financial advice. All finance is subject to status, affordability and lender terms. We may receive a commission from partners if you proceed. Your enquiry will not affect your credit score; lenders may perform credit checks if you apply.
For sector-specific information see our page on restaurants business loans.
1) What are restaurant business loans and how does Fast Business Loans help UK hospitality businesses?
Fast Business Loans is an introducer (not a lender or adviser) that matches UK restaurants, cafés, takeaways and caterers with specialist lenders and brokers for working capital, equipment and fit-out finance via a free, no-obligation eligibility check.
2) Is my enquiry an application and will it affect my credit score?
No—our quick enquiry is not a loan application and won’t affect your credit score, with credit checks only carried out by lenders if you choose to proceed.
3) What loan amounts can I get for a restaurant or catering business?
Our partners typically arrange funding from about £10,000 up to multi-million facilities, depending on turnover, product and lender criteria.
4) How fast can I get matched and receive a decision?
You’ll usually receive same-day eligibility guidance and, depending on the product and documents, lender decisions within a few days.
5) What types of restaurant finance can you introduce me to?
We connect you to working capital loans, merchant cash advances, equipment and fit-out finance, invoice finance for catering contracts, and property or leasehold loans.
6) Who is eligible to use your service?
UK limited companies in hospitality—such as restaurants, cafés, takeaways and catering firms—are eligible, with some partners also supporting start-ups and franchises.
7) What documents do lenders usually ask for?
Typical documents include recent business bank statements, management accounts, VAT returns (if applicable), ID and proof of address, and POS/booking or delivery platform reports.
8) Will I need security or a personal guarantee?
Some products require asset security or a personal guarantee, and any lender will outline these terms transparently before you decide to proceed.
9) What can I use the funds for?
Common uses include payroll and seasonal stock, refurbishments and fit-outs, new kitchen or POS equipment, site improvements, and energy-efficiency upgrades.
10) Do you charge a fee, and what if I need under £10,000?
Our matching service is free and no-obligation, and while most partners fund from around £10k+, smaller needs may be better served by specialist micro-lenders.