Hotel Business Loans & Finance for UK Hospitality

Quick summary: Fast Business Loans connects UK hotel owners and directors with specialist lenders and brokers to source finance quickly and responsibly. We are an introducer (not a lender) — your short, no‑obligation enquiry helps us match you to providers for funding needs such as refurbishment, seasonal cash flow, asset purchase, sustainability upgrades or refinancing. Enquiries do not affect your credit score. Get a Free Eligibility Check in minutes: Get Started — Free Eligibility Check.

Funding solutions tailored to hotels

Running a hotel requires constant investment: guest rooms need refreshing, communal areas require modernisation, kitchens and laundry equipment wear out, and energy costs push owners to invest in efficiency measures. Whether you operate a boutique coastal guest house, a city aparthotel, or a country house wedding venue, the right funding can accelerate upgrades, smooth seasonal cash flow gaps and support growth.

Fast Business Loans does the legwork for you: tell us what you need and we’ll introduce you to lenders and brokers experienced in hospitality finance. It’s free and there’s no obligation — Free Eligibility Check.

Why hotels need specialist finance

• Refurbishment cycles: Guest expectations change—regular investment in rooms, bathrooms and communal spaces is essential to maintain ADR and occupancy.
• Seasonal cash flow swings: Many hotels earn uneven revenue across the year and need flexible working capital between high and low seasons.
• Equipment replacement: Kitchens, boilers, laundry and HVAC systems are expensive to replace and often need asset-backed finance.
• Expansion & acquisitions: Purchasing additional property or converting buildings to hospitality use needs tailored mortgage or bridging options.
• Sustainability upgrades: Energy efficiency works and EV charging infrastructure can be capital-intensive but save costs long term.

Because hospitality metrics like occupancy, RevPAR and ADR matter to lenders, using specialists who understand these drivers increases your chances of a suitable match. If you want to explore dedicated options for hospitality, start here for a tailored introduction to providers of hotel finance: hotel business loans.

How Fast Business Loans supports hotel owners

We act as an introducer: we do not lend or give regulated financial advice. Our role is to match your business to lenders and brokers who can provide the products you need. The typical steps are:

1. Short online enquiry (takes under 2 minutes).
2. We match your request to relevant brokers/lenders on our panel.
3. A partner contacts you to discuss options and next steps.
4. Compare offers and choose the best fit — no obligation to proceed.

Want to see how it works in detail? Read our general guide on how the process operates at How it works, then Get Quote Now.

Types of hotel business finance we can introduce

Depending on your needs, we can introduce lenders and brokers who offer a range of hospitality-focused products. Typical solutions include:

Working capital & seasonal cash flow loans

Short- to medium-term facilities to cover payroll, supplier bills and softening low-season dips. Flexible repayment structures are common. Typical introductions start at £10,000 and rise from there.

Refurbishment & fit-out finance

Funding for room upgrades, receptions and public areas. Lenders may offer staged disbursements to align with project milestones.

Asset & equipment finance

Leases and hire‑purchase for kitchen kit, laundry systems, furniture and IT. Preserves cash while spreading cost over useful life.

Commercial mortgages & property finance

Purchase, development finance or refinancing for hotel real estate. Options include long-term mortgages, interest‑only and bridging finance depending on timing and exit plans.

Invoice finance & merchant cash advance

Release cash tied up in invoices or future card takings — useful for group bookings or corporate accounts that settle on longer terms.

Sustainability & energy efficiency funding

Loans for solar, heat pumps, insulation or EV charging that can have preferential terms tied to projected energy savings.

Each product has different eligibility and security requirements. Our matching process aims to present you with partners who specialise in hospitality so you can compare relevant offers quickly. Ready to check eligibility? Free Eligibility Check.

Eligibility snapshot — what lenders typically consider

• Trading history: Many lenders prefer established businesses with a trading record (often 12–24 months), though specialist brokers may consider newer ventures with strong business plans.
• Occupancy & revenue metrics: Lenders will look at occupancy, ADR and RevPAR trends to assess sustainability of cash flow.
• Profitability & cashflow forecasts: Demonstrating how repayments fit into future cashflow is critical.
• Security & guarantees: Property, assets or personal guarantees may be required for larger facilities.
• Credit history: Lenders review credit profiles; an initial enquiry through Fast Business Loans does not affect your credit score.

If you’re unsure what evidence you’ll need, we can connect you with a broker who will talk you through the typical documentation so you’re prepared when applying.

Funding process — what to expect after you enquire

1. Day 0 — Enquiry submitted: You complete a short form outlining loan amount, purpose and business details.
2. Day 0–1 — Initial match: We match you to one or more suitable partners and pass your details securely (with your permission).
3. Day 1–3 — Broker contact: A broker or lender will contact you to clarify needs and request documents.
4. Day 3–14 — Offers prepared: Providers review paperwork and present indicative terms; timescales vary by product and security level.
5. Day 14+ — Completion: Once you accept terms, funding and legal processes begin; bridging and asset finance can be dramatically quicker, while mortgages typically take longer.

Timescales depend on product, lender and complexity. Expect faster responses for unsecured working capital and asset finance; property transactions take longer due to valuation and legal work.

Success stories & use cases

• Boutique coastal hotel: Introduced to an asset finance provider that funded a room-by-room refurbishment. Result: higher seasonal ADR and improved booking conversion.
• Country house venue: Matched with a bridging lender to complete a strategic acquisition — enabling a profitable wedding season to proceed.
• City aparthotel: Merchant cash advance provided seasonal cash flow support, smoothing payroll during a low quarter.

These are anonymised examples to illustrate typical outcomes — results vary by business and product.

Responsible borrowing & transparency

Fast Business Loans is an introducer, not a lender, and we do not provide regulated financial advice. We emphasise transparency and responsible borrowing: our partners will assess affordability, explain fees and highlight security requirements. Completing an enquiry is free, confidential and does not commit you to borrow.

Frequently asked questions — Hotel loans

Are you a lender or a broker?

We are an introducer. We connect businesses to lenders and brokers who will then manage any application directly with you.

Will submitting an enquiry affect my credit score?

No. Completing our enquiry form will not impact your credit file. Lenders may perform credit checks later if you proceed with an application.

What loan amounts are available?

We typically introduce finance facilities from around £10,000 upwards, depending on product and provider.

How quickly can funding be arranged?

Speed depends on product: some asset finance or merchant facilities can be arranged within days once documents are supplied; property finance can take several weeks.

Do lenders require security?

Some products require security (property, assets or guarantees), while working capital solutions can be unsecured. Requirements depend on lender and size of facility.

What documents will I need?

Common items include management accounts, bank statements, a business plan or refurbishment quotes and ID for company directors. A broker will confirm specific needs for your case.

Start your hotel finance journey

Ready to explore options? Our short enquiry helps us match you with the lenders and brokers most likely to help your hotel move forward. It’s free, confidential and carries no obligation — and it won’t affect your credit score. Get Started — Free Eligibility Check.

Disclaimer: Fast Business Loans introduces businesses to lenders and brokers. We do not provide lending or regulated financial advice and do not underwrite or guarantee offers. All lending decisions are made by the lender/broker and terms, fees and eligibility vary.

– Are you a lender or a broker? — We’re an introducer that connects UK hotel owners with specialist lenders and brokers; we don’t lend money or provide regulated advice.
– Will submitting a hotel finance enquiry affect my credit score? — No, our quick eligibility enquiry isn’t a credit application and won’t affect your score; checks only occur if you proceed with a lender.
– Does it cost anything to use Fast Business Loans? — No, our matching service and Free Eligibility Check are completely free and there’s no obligation to proceed.
– How much can I borrow for a hotel business loan? — We typically introduce facilities from around £10,000 upward, with maximum amounts depending on product, security and your hotel’s performance.
– How quickly can hotel finance be arranged? — Many working capital, asset or merchant facilities can fund within days once documents are supplied, while property loans usually take weeks due to valuations and legal work.
– What can hotel business finance be used for? — Funding can cover refurbishments, seasonal cash flow, equipment and IT, property purchases or refinancing, and sustainability upgrades like solar or EV chargers.
– What types of hotel finance can you introduce? — Options include working capital loans, refurbishment and fit-out finance, asset and equipment finance, commercial mortgages and bridging, invoice finance and merchant cash advances, and green energy funding.
– What eligibility criteria do lenders consider for hotels? — Lenders typically look at trading history (often 12–24 months), occupancy/ADR/RevPAR trends, profitability and cash flow, security or guarantees, and credit profile.
– Can start-ups or newly acquired hotels get finance? — Yes, some specialist brokers will consider newer ventures or acquisitions with strong business plans, experienced operators and adequate security.
– What documents will I need for a hotel loan? — Expect to provide management accounts, bank statements, director ID, cash flow forecasts and any project quotes/plans, with your matched broker confirming the exact list.