Whether you run a single 6‑room B&B, a boutique hotel or a small regional chain, refurbishing rooms and replacing FF&E are essential to maintaining guest reviews, increasing occupancy and protecting margins. If you need to spread the cost of new beds, bathrooms, AV, linen, kitchens or whole-room refits, UK Business Loans connects your business with specialist lenders and brokers who can offer tailored funding packages. Get a fast, free eligibility check to see which solutions might suit your project.

Get Quote Now — Free Eligibility Check

We’re an introducer — we do not lend. Submitting an enquiry is free and won’t affect your credit score. Enquiries typically start from around £10,000 upwards.

Why hotels & B&Bs use fit‑out finance for FF&E and refurbishments

Hotels and B&Bs choose fit‑out finance because refurbishments are capital‑intensive yet essential for reputation, regulatory compliance and operational efficiency. Key drivers include:

• Seasonal revenue and cashflow management — spread costs to avoid peak/off‑peak stress.
• Capital preservation — keep cash for operations while upgrading rooms.
• Brand or standard upgrades — stay competitive in OTA listings and reviews.
• Regulatory or accessibility work — compliance-driven refurbishments often need fast funding.
• Sustainability upgrades — energy efficiency (LED lighting, heat pumps, EV charging) can attract green finance options.

Typical project sizes and timelines vary: a single room refresh might cost £5k–£15k; a whole floor or public-area refit often sits in the £50k+ range; large multi‑property programmes can run into several hundred thousand pounds and are staged over months or years.

Common finance solutions for FF&E and room refits

Asset finance / Equipment finance (hire purchase, finance lease)

Best for beds, furniture bundles, laundry kit, kitchen and AV equipment. Lenders base terms on the asset’s useful economic life.

• Pros: preserves working capital; structured repayments; VAT treatment options.
• Cons: secured on the asset; lender will assess life and resale value.
• Typical fit: replacing room equipment or buying packaged FF&E.

Commercial business loans (secured & unsecured)

Flexible for whole‑property refurbishments or where costs aren’t tied to discrete assets.

• Pros: lump‑sum capital, flexible use.
• Cons: may require security (property charge or personal guarantee); unsecured deals require stronger credit profile.
• Typical fit: larger refits, changing room layouts, or rolling programmes.

Commercial mortgages / Refurbishment mortgages

Used when the property is the primary security and long terms are needed.

• Pros: longer terms and lower monthly costs.
• Cons: valuation, survey and property charge required; longer drawdown timeline.
• Typical fit: major structural works or refinance + capital extraction to fund refit.

Invoice finance / Merchant cash advance

Helps smooth cashflow during cyclical seasons or while waiting for supplier invoices to clear.

• Pros: quick access to working capital.
• Cons: can be costlier than term finance; best for short‑term gaps.

Hire purchase & leasing

Common for furniture packages, POS terminals, TVs and kitchen appliances.

• Pros: low initial outlay; predictable payments.
• Cons: ownership transfer timing; possible higher total cost.

Green finance & sustainability loans

Specialist lenders offer preferential terms or dedicated products for energy efficiency measures and sustainable upgrades (solar, heat pumps, EV chargers).

Bridging finance / Short‑term loans

For urgent contractor payments or when a quick settlement is needed while longer‑term funding is arranged. These carry higher costs and require a clear exit strategy.

How UK Business Loans helps match hotels & B&Bs to the right lenders

UK Business Loans acts as an introducer. We don’t provide funds — we connect your hospitality business to lenders and brokers with hospitality experience and appropriate products. Our simple process:

1. You complete a short enquiry (takes a few minutes).
2. We match your brief to specialist partners in our panel who handle hotel and B&B refurbishments.
3. Partners contact you with options, questions or a tailored quote.

Benefits: faster initial responses, multiple financing options to compare, and sector‑specific partners who understand average project schedules, VAT treatment and asset lives.

Get Started — Free Eligibility Check

What lenders look for — eligibility and documentation

Preparing documentation improves speed and acceptance chances. Common checks include:

• Company type and trading history (years trading, group structure).
• Turnover and profitability — management accounts or last 12 months’ accounts.
• Business bank statements (3–6 months).
• Detailed scope of works, contractor quotes and cost breakdowns.
• Evidence of property ownership or lease terms (if property is security).
• VAT registration where applicable.
• Director(s) ID and credit history — note: a soft eligibility check via our enquiry won’t affect your credit file.

A broker can pre‑check documents and package submissions to reduce follow‑up queries and speed decisions.

Typical deal structures, terms and costs

Structure depends on product and security. Typical ranges and features include:

• Loan terms: 1–20 years (shorter for asset finance; longer for mortgages).
• Repayment types: capital & interest, interest‑only (usually for a set period), or seasonal repayment profiles for hospitality cashflow.
• Security: asset charge (for equipment), property charge, and sometimes director guarantees.
• Deposits: some lenders require an initial deposit; asset finance often asks for 0–20% depending on age and condition.
• Costs: pricing varies by lender, product, credit profile and security — submit an enquiry for tailored quotes rather than relying on sample rates.

Decision times: small asset finance deals can be approved in days; larger commercial loans or mortgages may take several weeks to complete valuation and legal processes.

Realistic example scenarios

Case 1 — 12‑room country B&B: FF&E refresh

Project: replace beds, mattresses, soft furnishings and two ensuite re‑tiles; cost £36,000. Solution: blended asset finance (FF&E) for furniture + short‑term invoice finance to smooth payments to contractors. Outcome: refreshed rooms, improved TripAdvisor reviews and ability to increase room rates modestly.

Case 2 — Boutique hotel city centre: staged refurbishment

Project: floor‑by‑floor upgrade across 30 rooms plus LED lighting and new boilers — total £220,000. Solution: staged commercial loan drawdown coordinated with contractors; a small green loan element for energy efficiency measures. Outcome: works completed with minimal disruption, reduced energy bills.

Case 3 — Small regional chain: refinance and centralised refit

Project: refinance existing facilities to extract capital for standardising room fit‑outs across three properties (£450,000). Solution: commercial mortgage refinance with longer term to lower monthly outgoings and fund refit. Outcome: consistent guest experience, central purchasing efficiencies.

How to prepare before you apply

Checklist to speed up matching and quotes:

• Obtain 2–3 contractor quotes and a clear scope of works.
• Gather latest management accounts and 3–6 months bank statements.
• Decide preferred repayment profile and the maximum monthly repayment you can afford.
• Consider staging the project to match cashflow if needed.
• Note minimum project value: UK Business Loans typically handles enquiries from around £10,000 and above.

Get Quote Now — Free, No‑Obligation Enquiry

FAQs

Will an enquiry affect my credit score?

No — submitting an initial enquiry through UK Business Loans is a soft check and will not affect your credit score. Partner lenders may perform credit checks only if you proceed with an application.

Can I finance just FF&E (furniture, fittings & equipment)?

Yes — asset finance, hire purchase and leasing are commonly used to fund standalone FF&E packages. Lenders assess asset life and the business’s finances.

How long until I get quotes?

Many specialist brokers respond within hours; asset finance quotes can appear within a few days while larger commercial loans or mortgages often take several weeks due to valuation and legal work.

Do you charge to match me with lenders?

Our service is free for businesses. We receive a fee from lenders or brokers only if you proceed with a funded deal.

Are green upgrades eligible for special rates?

Some lenders offer preferential terms for verified energy efficiency or sustainability projects. Tell us about the green element and we’ll match you with appropriate partners.

What minimum project values do you handle?

We typically manage enquiries from around £10,000 and upwards — for larger, multi‑site projects we can introduce specialist commercial lenders and brokers.

Next steps — get a free eligibility check

If you’re planning a room refit or FF&E replacement, the fastest way to explore finance options is to complete a short enquiry form. We’ll match your brief with specialist lenders and brokers who understand the hospitality sector and can provide tailored quotes.

Get Started — Free Eligibility Check

Important: UK Business Loans is an introducer — we do not lend or provide regulated financial advice. Completing the enquiry is not an application; it allows us to match you to lenders/brokers who will contact you with options. We will only share your details with matched partners and handle data securely. Read our Privacy Policy for more.