Why Restaurants Across the UK Partner with Fast Business Loans

Running a restaurant means managing tight margins, seasonal swings and often urgent capital needs. Fast Business Loans exists to make the finance search fast, simple and focused: you tell us what you need and we match you with lenders and brokers who understand hospitality.

Specialist Matching for Hospitality Businesses

We work with partners who have real experience funding restaurants, pubs and catering operations — from single-site independents to multi-site groups. That sector focus increases the chance of getting practical, workable proposals.

Save Time and Protect Your Credit Profile

Complete one short enquiry and avoid dozens of separate approaches. We use soft eligibility checks at the initial stage so your credit rating isn’t affected until you choose to apply with a lender.

No Fees, No Obligation — Clear Communication

Our matching service is free for business owners and there is no obligation to accept any offer you receive. We will always communicate clearly about how your information is used and what to expect next.

Get Started – Free Eligibility Check

Restaurant Finance Options We Can Help You Access

Different challenges need different finance solutions. Below are common products our partners specialise in and typical uses for restaurants.

Unsecured Business Loans

Use for short-term working capital, stock, marketing or bridging seasonal gaps. Generally faster to arrange, suitable when you don’t want to offer property as security. Typical sizes start from £10,000 upwards.

Secured Loans & Commercial Mortgages

For purchasing premises or major refurbishments. These usually require security (property) and can support larger sums and longer repayment terms.

Equipment & Fit-Out Finance

Finance kitchen equipment, ovens, refrigeration, POS systems and furniture. Asset finance or hire-purchase spreads cost over time while keeping equipment upgrades affordable.

Invoice Finance for Catering Contracts

Ideal for catering arms or businesses supplying corporate events where invoices are paid on terms — unlock cash tied up in unpaid invoices to smooth operations.

Merchant Cash Advances

Repayments are taken as a proportion of card takings — useful for card-heavy restaurants that need quick access to cash, though costs vary and should be compared carefully.

Sustainability & Energy Efficiency Funding

Specialist finance is available for energy-saving equipment, kitchen upgrades, heat pumps and EV chargers — often with favourable terms or grants in combination.

Get Your Personalised Restaurant Loan Quote

How Our 4-Step Fast Matching Process Works

1. Complete a 2-minute enquiry — tell us about your business, the amount and purpose of funding, and a few details we need to match you.
2. Smart matching — we identify lenders and brokers with hospitality experience suited to your request.
3. Discuss tailored options — matched partners contact you to outline possible solutions; you compare offers and ask questions.
4. Compare & choose — you decide which lender or broker to proceed with. We do not provide advice and you are under no obligation to accept any offer.

Data security: your information is only shared with selected partners who can help your request. See our Privacy Policy for full details.

Funding Scenarios We See from UK Restaurants

See What You Could Qualify For

Eligibility & Documentation: What Lenders Typically Look For

Every lender has different criteria, but most hospitality lenders will ask for:

• Business structure and registration details (limited company information).
• Trading history — many lenders prefer established trading but some will consider well-prepared start-ups.
• Recent business bank statements (typically 3–6 months).
• Management accounts and year-end accounts (where available).
• Cashflow forecasts and a simple business plan for new ventures.
• Details of premises — lease or freehold documents if relevant.
• Identification for directors and beneficial owners.

Credit profile, turnover and existing liabilities will influence both the product types available and costs. If you’ve been turned down previously, our panel often includes specialist lenders who can assess complex cases.

Important: This page gives general information. Product availability and terms vary by lender. Always read lender terms carefully and seek independent advice if unsure.

Why Fast Business Loans is a Trusted Introducer

• Free, no-obligation service — we charge nothing to business owners for matching.
• UK-based support and hospitality-focused partner selection.
• Secure handling of data and privacy-first approach.
• We connect you to lenders and brokers who can provide product details, quotes and next steps — you remain in control at every stage.

If you want sector-specific reading, see our industry resources for restaurants and catering at restaurants business loans.

Request My Restaurant Finance Match

Restaurant Finance FAQs

Is Fast Business Loans a lender?

No — we only introduce businesses to lenders and brokers. We do not lend money or provide regulated financial advice.

Will checking my eligibility affect my credit score?

Initial enquiries use soft checks only. A formal application with a lender may include a credit check that could be visible on your file — your matched partner will explain this before any hard search.

What loan sizes are available for restaurants?

Our partner panel can arrange funding from around £10,000 upwards depending on product and lender — from small equipment loans to multi-site facilities.

Do you support start-up restaurants?

Yes. Many partners consider start-ups if you can demonstrate a viable plan, management experience and realistic forecasts.

How quickly can funds be released?

Timescales vary by product: some unsecured loans or cash advances can complete within days; secured facilities and mortgages take longer due to valuation and legal processes.

Get Your Personalised Restaurant Loan Quote

Ready to Explore Restaurant Finance?

Save time and get matched with lenders and brokers who understand restaurants. Complete our short enquiry and expect a quick, no-obligation response from partners who can provide tailored quotes and next steps.

How to start:

1. Click the enquiry button below.
2. Spend 2 minutes entering basic business and funding details.
3. We’ll match you and a partner will be in touch to discuss options.

Get Started – Free Eligibility Check

Fast Business Loans is an introducer connecting businesses with lenders and brokers. We are not a lender and do not give regulated financial advice. Product availability, rates and terms vary by lender. Typical funding we arrange starts at £10,000.