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.
Hotels Business Loans: Fast Connections to Hospitality Finance
Summary: If you run a UK hotel and need funding for refurbishment, working capital, acquisition or sustainability upgrades, Fast Business Loans can match you quickly with lenders and brokers that specialise in hospitality finance. Our free, no‑obligation enquiry (soft eligibility check) helps you compare options for loans from £10,000 upwards — without searching dozens of lenders yourself. Start with a short form and receive tailored contact from providers who understand hotels.
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 hotel businesses seek finance in 2025
Hotel operators face unique funding needs: seasonal cash flow variability, rising energy and staffing costs, guest experience investments, and regulatory or sustainability requirements. Common triggers for seeking finance include:
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
- Refurbishment and fit‑out to improve guest experience and ADR (average daily rate).
- Working capital for shoulder seasons and unexpected booking shortfalls.
- Acquisition or franchise expansion.
- Sustainability upgrades (solar, heat pumps, EV chargers) to cut long‑term operating costs and meet guest expectations.
- Equipment replacement (kitchens, laundry, HVAC) to maintain standards.
- Bridging finance for a purchase or refurbishment between funding events.
Because hotel cash flows can be lumpy, matching with lenders who understand seasonality and the hospitality model is critical to getting realistic terms.
Fast Business Loans in the hospitality sector
Fast Business Loans is an introducer — we don’t lend and we don’t provide regulated financial advice. Instead, we quickly match hotel businesses with lenders and brokers who specialise in hospitality finance. Our service is free to use and there’s no obligation to proceed once you’ve been matched. Complete a short enquiry and we’ll put you in touch with lenders/brokers likely to consider your request.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Funding solutions available for hotels
Unsecured & secured business loans
Flexible loans for general business needs. Secured loans may offer lower rates where property or assets are available as security. Ideal for: medium-term refurbishments, working capital. Typical amounts: £10,000–£2m.
Bridging & development finance
Short-term finance to bridge purchase to longer-term funding or fund conversions/major refurbishments. Ideal for: acquisitions, redevelopment projects. Typical amounts: £50k–£10m.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Hotel refurbishment & fit-out finance
Project-based funding for room and public-area upgrades. Lenders often consider projected uplift in revenue when assessing proposals. Ideal for: modernisation to increase ADR.
Equipment & asset finance
Leasing or hire‑purchase for kitchen equipment, laundry machines, vehicles and furniture. Preserves working capital and spreads cost over expected life.
Invoice & cashflow finance
Access cash tied up in corporate contracts, groups or tour operator receivables. Useful when large group bookings create payment delays.
Merchant cash advances
Revenue‑based advances repaid from card takings — suitable for card‑heavy hotels but often higher cost than traditional loans.
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.
Sustainability & energy-efficiency loans
Funding for solar PV, insulation, heat pumps and EV chargers. Many lenders consider energy savings in affordability assessments.
Quick comparison — typical purposes, amounts & collateral (illustrative)
| Purpose | Typical amount | Indicative term | Collateral |
|---|---|---|---|
| Working capital | £10k–£250k | 6–36 months | Usually unsecured |
| Refurbishment | £25k–£2m | 1–7 years | Secured (property) or unsecured with strong cashflow |
| Equipment finance | £10k–£500k | 1–7 years | Asset-backed |
| Bridging | £50k–£10m | Days–12 months | Property security typical |
For illustration only — actual amounts, terms and security requirements depend on lender assessments.
How the Fast Business Loans matching process works
Step 1 — 2‑minute enquiry
Complete a short online form with a few business details. This is a soft eligibility check and does not affect your credit score.
Step 2 — personalised match
We review the details and connect you with lenders or brokers who have hospitality experience and products suited to your needs.
Step 3 — rapid response
Matched partners typically contact you by phone or email to discuss terms, or request supporting documents.
Step 4 — decide with no obligation
You compare the offers and choose whether to proceed. Lenders perform their own credit and underwriting checks if you apply.
Eligibility snapshot for UK hotels
Typical criteria our partner lenders consider:
- Trading history — many lenders prefer 12+ months trading for unsecured loans; specialist lenders may support newer operations.
- Turnover and profitability — lenders assess ability to service repayments; projected bookings and ADRs are important.
- Security — property, assets or personal guarantees can affect rates and limits.
- Management experience — operators with hospitality track records often have an advantage.
Declined? You may still be eligible through another lender. Our panel includes specialist lenders and brokers who consider a broad range of circumstances.
Costs, rates & repayment considerations
Rates and fees are set by lenders and vary widely by product, term, credit profile and security. Key factors lenders review:
- Seasonality and occupancy — lenders will look at historic and forward bookings.
- Business plan and cashflow projections for refurbishment or expansion finance.
- Security and asset values.
- Director credit histories and prior insolvency events.
Always compare APR, arrangement fees, early repayment charges and total cost of credit before deciding.
Benefits of using Fast Business Loans for hotel finance
- Sector‑specific matching increases chances of receiving appropriate offers.
- Save time — one short form instead of multiple lender applications.
- Initial enquiries are soft checks — your credit score is protected until you proceed.
- Free and no obligation — you choose whether to take any offer forward.
“Boutique seaside hotel secured renovation funding in 10 days — matched via Fast Business Loans.”
Case studies & finance scenarios (short)
1. Boutique hotel — eco renovation
Requirement: £200,000 for room and boiler upgrade to improve energy performance. Solution: sustainability loan combined with asset finance. Timeline: enquiry to offer in 7 days. Outcome: projected energy savings improved solvency and lower operating costs.
2. Franchise hotel — bridging to acquisition
Requirement: £750,000 short-term bridge while long-term refinancing arranged. Solution: bridging facility secured on property; refinance finalised in 3 months. Outcome: acquisition completed on time.
3. Independent country inn — seasonal working capital
Requirement: £35,000 to cover pre-season staffing and supplies. Solution: short-term business loan. Timeline: funds in 5–10 working days.
How to prepare for your hotel finance enquiry
Before you submit our short form, gather:
- Recent management accounts and VAT returns (where applicable).
- Occupancy and ADR figures for the last 12–24 months and forward bookings snapshot.
- Business plan or project specification for refurbishments.
- Asset list and valuations if seeking secured or asset finance.
Providing clear information speeds up matching and improves the quality of offers you’ll receive.
Frequently asked questions — hotel finance
Are seasonal revenues acceptable to lenders?
Yes. Many hospitality lenders assess annualised cashflow and consider forward bookings/projections. Specialists understand seasonality.
Can new hotel openings access finance?
Some specialist lenders and brokers will consider newer operations, particularly with strong management teams, credible business plans and realistic projections.
What security do lenders typically require?
Security varies by product. Equipment finance uses assets as security; larger loans often require property security or guarantees.
How quickly can funds be released?
Timescales vary: invoice/merchant advances and some unsecured loans can be arranged in days; development and bridging finance may take longer depending on valuation and legal work.
Will my credit score be affected?
Initial enquiries through Fast Business Loans are soft checks and do not affect your credit file. Lenders may perform hard checks if you apply.
Do you help with refinancing existing hotel debt?
Yes — our partners can assist with refinance and debt consolidation where it improves cashflow and affordability.
Can I finance sustainability upgrades?
Yes — sustainability and energy-efficiency funding is increasingly available and may carry competitive terms when energy savings are demonstrable.
Ready to explore your hotel finance options?
Complete a short, free enquiry now and we’ll match you with lenders and brokers tailored to the hospitality sector. You’ll typically hear back quickly by phone or email with your options.
If you’d like to read more about funding for hotels in specific situations, see our in‑depth sector guide on hotels business loans.
Enquiries are handled by our UK-based team and there’s no obligation to proceed once you receive offers.
Responsible finance & important information
Fast Business Loans acts as an introducer and does not provide regulated financial advice or lending. Funding decisions, pricing and terms are set by lenders and brokers. Availability depends on individual circumstances and may not be guaranteed. We recommend you review lender terms carefully and seek independent advice if needed. We treat your data securely and share it only with selected partners to help with your funding request.
Minimum typical loan amount: from around £10,000 upwards.
– What types of hotel business finance can I get in the UK?
You can be matched to unsecured or secured business loans, bridging and development finance, refurbishment and fit‑out finance, asset/equipment finance, invoice/cashflow finance, merchant cash advances, and sustainability/energy‑efficiency loans.
– How does Fast Business Loans help hotels secure funding?
We’re an introducer that uses a short, free enquiry to match UK hotels with specialist lenders and brokers who understand hospitality finance.
– Is the enquiry an application and will it affect my credit score?
No—it’s a soft eligibility check with no impact on your credit file, and hard checks only happen if you choose to proceed with a lender.
– What loan amounts are available for hotels?
Typical funding starts from around £10,000, with higher limits available for refurbishments, acquisitions and bridging depending on lender assessment and security.
– How quickly can hotel finance be arranged?
Some unsecured, invoice or merchant advance facilities can fund in days, while bridging, development or property‑backed loans may take longer due to valuations and legals.
– What can hotel business loans be used for?
Common uses include refurbishment and fit‑out, seasonal working capital, acquisitions or franchise expansion, equipment purchases, and sustainability upgrades like solar, heat pumps and EV chargers.
– What security do lenders usually require for hotel loans?
Requirements vary by product—equipment finance is asset‑backed, many smaller loans can be unsecured, and larger or bridging loans often need property security or personal guarantees.
– Can new or recently opened hotels access finance?
Yes—specialist hospitality lenders may consider newer operations with strong management, credible business plans and realistic occupancy/ADR projections.
– What information should I prepare before my hotel finance enquiry?
Have recent management accounts, VAT returns, occupancy and ADR data, forward bookings, project plans/specs, and an asset list if seeking secured or asset finance.
– Can you help if I’ve been declined elsewhere or need to refinance existing hotel debt?
Yes—our panel includes lenders and brokers who consider a wide range of circumstances and can support refinance or consolidation to improve cash flow.