Introduction / Quick answer

Yes — hotel finance is widely available across the whole United Kingdom. Whether you operate in a city centre, a coastal resort or a rural country house, there are finance options to suit purchases, refurbs, conversions, seasonal cashflow gaps and sustainability upgrades. Many lenders and brokers specialise in hospitality and understand seasonal trading, occupancy forecasts and licence requirements. UK Business Loans does not lend money; we connect businesses with suitable lenders and brokers. Your enquiry is a free, no‑obligation eligibility check — it is not a loan application. Get Quote Now to begin.

At-a-glance: key takeaways

• Hotel finance is available nationwide across England, Scotland, Wales and Northern Ireland.
• Common products include commercial mortgages, bridging, refurbishment/development finance, asset finance and cashflow lending.
• Specialist lenders and brokers understand hospitality risks like seasonality, licences and business rates.
• Enquiring via UK Business Loans is free, not an application, and helps match you to experienced providers.
• We typically help arrange finance from around £10,000 and upwards.

How UK Business Loans helps hotel owners

We simplify the search for hotel finance. Complete a short enquiry and we match your requirement to trusted lenders and brokers with hospitality experience. You’ll receive contact and quotes quickly — often within hours during business days — so you can compare options without contacting dozens of providers yourself. The process is free and non‑binding; providing details helps us find the best-fit partners who can progress a full application if you decide to proceed. Get Quote Now — Free Eligibility Check.

Hotel finance availability by nation

Products and terms can vary by lender and by region, but finance is broadly available across all four nations. Below we outline local market characteristics and common considerations.

England

England has the deepest market for hotel finance, with many high‑street and specialist commercial lenders operating nationally and regionally. London and other major cities (Manchester, Birmingham, Leeds, Bristol) attract investment lending for city hotels and aparthotels. Commercial mortgages, development/refurbishment finance and longer‑term loans are common for established businesses; bridging loans are used for quick acquisitions or auction purchases. Local issues to consider include business rates, planning and council licensing for short‑lets.

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Scotland

Scotland benefits from active lenders familiar with city, highland and island tourism. Legal differences around land and title (for example, feudal/land registration history and emphyteutic leases) mean lenders often request local legal expertise; specialist brokers can help navigate this. Rural and island hotels may be more likely to use bridging or asset finance when bank branches are limited.

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Wales

Wales has a smaller but well‑served market. Lenders understand coastal and national park tourism patterns and the seasonal income profile. Regional grants and tourism support may be available in parallel with commercial finance; a broker can combine grant-awareness with lending options to improve viability of refurbishment and sustainability projects.

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Northern Ireland

Hotel finance is available through both locally based lenders and UK‑wide providers. Bridging and development finance are commonly used for conversions and refurbishments where fast action is needed. Because bank footprints differ regionally, specialist brokers frequently help secure the right lender and bridge any local knowledge gaps.

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For more on industry-specific options and typical hotel lending products, see our sector page on hotels business loans: hotels business loans.

Types of hotel finance and when they’re used

• Commercial mortgages — long-term finance for purchase or refinance of hotel property. Often secured by a charge against the building; suitable for established businesses with stable occupancy forecasts.
• Development & refurbishment loans — for fit-outs, extensions or conversion to hotel use. Lenders want detailed budgets and project plans.
• Bridging loans — short-term, fast finance used to secure purchases or bridge to a longer-term mortgage. Typically higher cost but quicker to complete.
• Asset & equipment finance — funds for kitchen equipment, laundry, furniture and fixtures, often spread over the expected life of the asset.
• Invoice finance & merchant cash advances — unlock cash from invoices or card sales to smooth seasonal cashflow.
• Working capital loans & overdrafts — for day-to-day liquidity, payroll and stock ahead of peak seasons.
• Mezzanine / equity finance — for larger expansions where owners want to limit upfront cash; these can be more complex and dilute ownership.
• Green / sustainability loans — funding for energy efficiency works, solar, heat pumps and EV chargers; sometimes linked with grants or preferential terms.

Specialist hospitality lenders and brokers understand occupancy modelling, revenue per available room (RevPAR) and seasonality — which helps present a loan case that matches lender underwriting criteria.

Typical eligibility, timescales & documentation

Eligibility varies by product and lender but commonly includes:

• Trading history (many lenders prefer at least 12–24 months trading; development finance can be available for conversions with strong business plans).
• Turnover and profitability or realistic revenue projections for conversions/seasonal operations.
• Management experience and evidence of hotel operational capability.
• Security and deposit levels for mortgages or bridging.
• Credit history — lenders will review company and director records.

Common documents requested: recent accounts, management accounts, VAT returns, a clear business plan (for refurbs/conversions), proof of licences (alcohol, food hygiene), property valuations and bookings/occupancy data where available.

Typical timescales: initial matching and soft eligibility checks within hours; formal lender offers often in days–weeks; completion depends on product and legal processes (weeks for bridging, months for mortgage completions and development draws).

Typical costs & terms — what to expect

Costs vary significantly by product and risk profile. Expect these general patterns:

• Short-term finance (bridging, merchant cash advances) is generally more expensive but faster.
• Commercial mortgages typically offer lower rates over longer terms but require stronger security and documentation.
• Asset finance can often cover most or all of new equipment cost and spread repayments to match asset life.
• Lenders may require security such as a property charge, debenture and/or director guarantees depending on circumstances.

Loan-to-value (LTV) and deposit expectations differ by lender and asset: commercial mortgages might lend up to 60–70% on some hotel properties, while bridging lenders often provide lower LTVs. Exact rates and fees depend on lender, loan size (we typically assist with loans from around £10,000 upwards), credit profile and security offered. All offers are subject to lender eligibility and status.

How to apply via UK Business Loans (step-by-step)

1. Click Get Quote Now and complete the short enquiry form with a few business details and the amount you need.
2. We match your enquiry to lenders and brokers experienced in hospitality and share your request with the most relevant partners.
3. Expect a rapid response — usually by phone or email — so you can review loan quotes and ask questions.
4. Choose the lender or broker you want to progress with, then they will guide you through any formal application, checks and documentation.

Remember: the enquiry is an eligibility and matching step — it is not a loan application and does not commit you to proceed. Get Quote Now — Free Eligibility Check.

Frequently asked questions

Does submitting an enquiry affect my business credit score?

No. An initial enquiry via UK Business Loans is a soft, no‑obligation check and will not affect your credit file. Lenders may carry out formal credit checks later with your consent as part of an application.

Can newly opened or recently refurbished hotels apply?

Yes. Some lenders and specialist start‑up or development lenders will consider newly opened hotels if you provide strong forecasts, evidence of experience and a clear plan. A broker can identify suitable lenders for earlier-stage or conversion projects.

Are there specialist lenders for boutique or independent hotels?

Yes. Many brokers and lenders specialise in boutique, independent and family-run hotels — they understand niche markets, lifestyle positioning and unique revenue drivers.

Can I get finance for holiday lets, B&Bs and serviced apartments?

Yes. Many products are available for B&Bs, holiday lets and serviced apartments, though underwriting will reflect different income patterns and regulatory requirements depending on the property type and location.

What if our business credit history is imperfect?

Imperfect credit does not automatically disqualify you. A wide market of lenders and specialist brokers work with businesses with historic issues; they will assess the whole business case, security and recovery since any past issues.

How quickly will lenders contact me after I enquire?

Often within hours during working days. Exact timing depends on lender availability and the detail provided in your enquiry.

Final summary & next steps

Hotel finance is available across England, Scotland, Wales and Northern Ireland. A range of products can meet purchase, refurbishment, bridging, sustainability and cashflow needs. UK Business Loans helps you find the right lenders and brokers quickly — complete a short, free enquiry to receive tailored quotes and expert contact. The enquiry is not an application and does not commit you to borrow. Get Quote Now — Free Eligibility Check.

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UK Business Loans is an introducer — we do not provide loans or regulated financial advice. By submitting your details you consent to us sharing your information with selected lenders and brokers who may contact you about finance options. Offers depend on lender eligibility and status.