Why use UK Business Loans for hotel finance?

If you run a hotel, guest house or boutique hospitality business you need lenders who understand seasonal trading, occupancy cycles and the importance of refurbishment and guest experience. UK Business Loans acts as a connector — we don’t lend. Instead we:

• Speed up the search: submit once and get matched to multiple specialist lenders/brokers.
• Provide sector focus: our partners understand hospitality metrics like occupancy, ADR and RevPAR.
• Keep it confidential: your details are only shared with selected partners relevant to your request.
• Save you time and uncertainty: compare offers quickly without having to approach many lenders yourself.
• Work with enquiries for loans from around £10,000 and upwards.

Note: UK Business Loans does not lend. Our service is free and there is no obligation to accept any offer.

Which hotel finance options can we match you with?

We connect hotel owners to lenders and brokers that offer a broad range of hospitality finance products. Typical uses and deal sizes are shown below — your matched providers will confirm suitability.

Working capital & cashflow loans

Short-term cash to cover seasonal gaps, payroll or slow months. Typical deals: £10k–£250k, quick turnaround.

Commercial mortgage / property purchase

Purchase or long-term financing of freehold or leasehold hotel properties. Typical deals: £100k–£5m+ depending on portfolio and security.

Refinance / debt restructuring

Consolidate or replace existing debt to improve cashflow or reduce monthly payments. Sizes vary widely; tailored solutions available.

Refurbishment & fit-out finance

Funding for guestroom upgrades, receptions, F&B areas and overall relaunch projects. Typical deals: £25k–£1m.

Asset & equipment finance

Finance for beds, kitchens, laundry, HVAC and specialist hospitality kit. Commonly structured over equipment life; deals from £10k upwards.

Invoice finance

Unlock cash tied up in invoices from events, corporate bookings or catering contracts. Useful for groups and contract catering arms.

Short-term bridging loans

Fast temporary finance while a longer-term arrangement is put in place or while awaiting sale proceeds. Typically higher cost; short term (weeks–months).

Sustainability & energy-efficiency loans

Funding for solar, heat pumps, LED upgrades, EV chargers — useful for reducing operating costs and improving guest credentials.

How do I begin a hotel finance enquiry? A simple 3‑minute process

Submitting an enquiry is quick and designed to preserve your options. Here’s how it works.

Step 1 — Complete the short enquiry form

Click the Free Eligibility Check link and fill in a few key details: company name, trading years, loan amount requested, purpose of funds, security available and a contact number/email. This is only an enquiry — not a loan application.

Get Quote Now — Free Eligibility Check

Step 2 — We match your enquiry to hospitality specialists

We screen your submission against lender and broker criteria: loan type, sector expertise, location, property details and basic credit profile. Matching prioritises partners experienced in hotel lending so you speak to people who get your business.

Step 3 — Receive and compare offers

Matched lenders/brokers will contact you by phone or email with eligibility feedback and indicative quotes. Many enquiries receive responses within hours; more complex requests (mortgages/portfolio finance) can take up to 48–72 hours to produce detailed offers.

There’s no obligation to accept any quote; you can compare terms, ask questions and decide confidently.

Need to start now? Start Your Enquiry — Free Eligibility Check (takes under 3 minutes; does not perform a credit check).

What information lenders will want (short checklist)

Having these documents ready speeds up matching and improves offer quality:

• Legal details: company name, registration number and directors’ details.
• Trading history: years trading and management experience.
• Accounts & profitability: last 2–3 years accounts and management accounts if available.
• Bank statements: recent 3–12 months to demonstrate cashflow.
• Property details: freehold or leasehold, address, estimated value and lease terms if applicable.
• Credit record: any CCJs or defaults (disclose — lenders ask anyway).
• Loan purpose & amount: clear explanation and proposed repayment plan.
• Security/collateral: property, equipment, guarantees.
• Earnings evidence: occupancy reports, booking pipeline or franchise agreements where relevant.

Tip: prepare a short one‑page summary of the project (use, cost breakdown, expected returns) — it helps brokers and lenders assess your case quickly.

What hospitality lenders look for — and how you can improve your chances

Lenders evaluating hotel finance focus on both financial metrics and operational strength. Key items include:

• Occupancy & ADR: consistent occupancy levels and a stable average daily rate are positive signals.
• RevPAR & EBITDA: lenders want to see sustainable earnings and adequate margins.
• Management experience: experienced operators or strong franchise support reduce perceived risk.
• Forecast realism: realistic, stress‑tested cashflow forecasts are essential for refurbishment and expansion cases.

Practical ways to strengthen your application:

• Update management accounts and prepare a clear cashflow forecast showing post‑project sustainability.
• Supply evidence of forward bookings or contracts (useful for seasonal businesses).
• Show cost-saving or revenue-driving measures (e.g. green upgrades, dynamic pricing systems).
• Consider phased draws for refurbishment to reduce lender exposure.

Timescales, fees and likely terms

Typical response and completion times differ by product:

• Working capital / asset finance: indicative quotes within hours; legal completion often 1–3 weeks.
• Bridging finance: very fast — often same day to a few days for an offer; funds in days to weeks.
• Commercial mortgages / refinance: underwriting and legal processes mean 6–12 weeks is common.

Possible fees you may encounter: arrangement fees, valuation fees, legal costs and broker fees. Pricing varies by lender, loan size and borrower profile — rates and fees will be disclosed by each lender/broker before you accept.

Important: Submitting an enquiry does not commit you to any fees, and you’re free to decline any offer.

Case examples

Boutique refurbishment (south coast): owner sought £200k for full refurbishment of 12 rooms. Enquiry submitted at 10am; matched to two hospitality lenders; an indicative refinance + refurbishment package presented within 48 hours and legal completion in 8 weeks.

Seasonal working capital (country hotel): £50k requested to cover winter season. Matched to invoice finance and short-term cashflow lender; offer accepted within 24 hours and funds released in 5 business days.

Get Started — Free Eligibility Check

FAQs: quick answers

Will submitting an enquiry affect my credit score?

No — the enquiry itself does not trigger a credit search. Lenders may carry out checks later if you proceed with an application.

Do I have to accept any offer?

No. You can review quotes and decide whether to proceed. There’s no obligation to accept.

How quickly will I receive quotes?

Many simple enquiries receive responses within hours; more complex property or refinance cases can take 24–72 hours to produce firm terms.

Can newly opened hotels apply?

Yes. Some lenders specialise in start-up hospitality finance, but availability depends on trading history, security and management experience.

What if I have poor credit?

Don’t assume refusal — we can match you to lenders and brokers who specialise in non-standard credit profiles. Full disclosure of credit issues helps find the right partner.

Is there a fee to use UK Business Loans?

Our service is free to business owners. Any fees charged will be by the lender/broker and will be disclosed before you agree.

More FAQs and policy details: Privacy Policy | Full FAQs

Transparency & privacy — how we use your data

When you submit an enquiry we use the information to match your business with suitable lenders and brokers. We only share your data with selected partners who can help with your request and for the purpose of providing quotes.

Submitting an enquiry is an information‑gathering step — it is not a loan application. By submitting you consent to being contacted by our selected partners. See our full Privacy Policy for details and opt‑out options.

Ready to get matched with hospitality lenders?

Get a free eligibility check and connect with lenders who understand hotels. It takes under 3 minutes and your enquiry won’t perform a credit check.

Get Quote Now — Free Eligibility Check

Learn more about sector-specific support for hotels on our hotels page: hotels business loans.