Pub business loans & finance — Free eligibility check for UK pubs
Summary: If you run a pub and need finance for refurbishment, working capital, buying premises or urgent bridging, UK Business Loans can run a free, no‑obligation pub finance eligibility check and match your business with lenders and brokers who specialise in hospitality. Complete our short online form (under 2 minutes) to get matched and receive rapid, personalised quotes — no credit search at the enquiry stage. Get Quote Now
Fast, free pub finance checks — why landlords choose UK Business Loans
Whether you run a village freehouse, a tied or leased pub, or a multi‑site operator, finding appropriate finance fast matters. UK Business Loans is a specialist introducer that connects pub owners with lenders and brokers experienced in hospitality finance. We do not lend money or provide regulated financial advice — we simply introduce you to providers who can help.
- Fast responses — initial matches often within hours.
- Specialist panel — lenders and brokers who understand seasonal trading and pub property issues.
- No obligation — the eligibility check is free and will not affect your credit score.
- We only share your enquiry with finance partners who can help — your details are handled securely.
What “pub finance” can cover
Pub finance is flexible and can be tailored to your exact project. Common uses include:
- Refurbishment & fit‑outs — modernise interiors, add kitchens or convert space to improve covers and turnover.
- Buying premises — commercial mortgages or purchase finance for freehold or long leasehold pubs.
- Working capital & seasonal cashflow — smooth trading dips and cover stock purchases for peak periods.
- Asset & equipment finance — cellar kit, kitchen equipment, furniture and fixtures.
- Bridging finance — short‑term funding to secure a purchase quickly or bridge a sale.
- Refinance & consolidation — restructure existing borrowing to improve monthly cashflow.
How to begin a free pub finance eligibility check (Step‑by‑Step)
Step 1 — Start your enquiry
Click the button below to open our short enquiry form. Enter a few details: company name, turnover band, postcode, amount and purpose of funding, and contact details. The form takes under two minutes to complete and there’s no credit search at this stage.
Get Quote Now — Free Eligibility Check
Step 2 — We match your pub
Our system uses your answers plus manual review by our team to match you with lenders and brokers that specialise in pubs and hospitality. We prioritise partners with relevant experience for your project type and size.
Step 3 — Lenders and brokers contact you
Selected partners will contact you by phone or email for a short fact‑find and to provide indicative quotes. Expect clear, comparative information — loan amounts, terms, likely security and next steps. There’s no obligation to accept any offer.
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
Step 4 — Compare offers and decide
Review the options, ask questions, and choose the lender or broker you prefer. If you proceed to a full application, lenders may carry out credit and property checks as part of underwriting.
Start your Free Eligibility Check
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.
Who can apply — am I eligible?
Most pubs run by incorporated businesses can be matched to suitable lenders and brokers. UK Business Loans organises finance from around £10,000 upwards.
Use this quick checklist to see if you’re likely to be eligible:
- Business structure: limited companies, limited liability partnerships (LLPs), partnerships and company groups — we focus on incorporated trading entities rather than sole trader professional loans.
- Trading history: many lenders accept established pubs with 1+ years trading; some specialist providers consider newer businesses or turnaround cases.
- Turnover & loan sizes: typical lending ranges from £10k to several million depending on lender and security.
- Credit history: some brokers specialise in businesses with adverse credit or complex histories.
- Security: unsecured facilities exist, but larger amounts typically require property or asset security.
If you’re unsure, the quickest way to find out is to complete our short form — it’s free and no credit check at this stage.
Common pub finance types — which might suit your project?
Business loans (term loans)
Good for working capital or modest refurbs. Terms typically 1–5 years; may be unsecured or secured.
Commercial mortgages
Used for buying freeholds or long leaseholds. Longer terms (10–25 years) and usually secured on the property.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Asset & equipment finance
Finance for cellar kit, kitchen equipment and furniture — can be structured as hire purchase or leasing so repayments match equipment life.
Bridging loans
Short‑term loans to secure a purchase quickly or fund urgent work before longer‑term finance completes.
Invoice finance & merchant cash advances
Invoice discounting suits businesses with unpaid invoices (less common in pubs). Merchant cash advances are an option where card sales profiles are strong.
Refinance & consolidation
Restructure expensive short‑term debt into cheaper, longer term facilities to improve monthly cashflow.
Typical expectations: rates, terms and security vary widely by lender and business. Your matched lenders will provide personalised terms after initial review.
Documents lenders commonly request
Having the right paperwork ready speeds the process. Typical items include:
- Business bank statements (3–6 months)
- Company accounts (last 1–3 years) and management accounts if available
- ID and proof of address for directors
- Lease or freehold details and rent/service charge history (if leased)
- Business plan and cashflow forecast for major refurbs or purchases
- Supplier quotes, invoices or photos for refurbishment projects
Tip: scan or photograph documents in advance to speed up lender responses.
What happens after you submit the form
Timeline and what to expect:
- Response time: many enquiries receive an initial response within a few hours; more complex requests may take 24–48 hours.
- Initial contact: a broker or lender will call or email to clarify details and discuss indicative terms.
- Offers: you’ll receive indicative quotes and repayment examples to compare.
- Full application: if you choose to proceed with a lender, they will guide you through full underwriting and any required checks.
Remember: UK Business Loans introduces you to providers and does not make lending decisions. You remain under no obligation until you choose to accept an offer.
Get Quote Now — start your free eligibility check
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.
Fees, compliance & privacy — important information
Important points to read before you apply:
- UK Business Loans is an introducer — we do not lend or give regulated financial advice. We connect you with lenders and brokers who may provide regulated services where applicable.
- Submitting an enquiry is free and will not affect your credit score. Lenders may carry out credit checks only if you proceed to a full application with them.
- We earn a fee or commission from lenders/brokers if you proceed with their product. There is no charge for submitting a form or receiving initial quotes.
- Your data is handled securely and only shared with approved partners relevant to your enquiry. See our Privacy Policy for full details.
Frequently asked questions
Will submitting a pub finance enquiry affect my credit score?
No. Making an enquiry via UK Business Loans does not trigger a credit search. Lenders may perform credit checks later if you apply to them directly.
How quickly will I get a quote?
Most matched lenders or brokers contact you within a few hours or within 24–48 hours depending on the complexity of your request.
Do you lend money directly?
No. We introduce pub owners to lenders and brokers; UK Business Loans does not provide loans.
Can I get finance with a poor credit history?
Some specialist lenders work with adverse credit profiles, but options depend on the severity of the credit history and strength of security or cashflow.
What if my pub is leased or tied?
Finance options exist for leased or tied pubs, but availability depends on lease terms and landlord consents. Provide lease details on the enquiry form so we can match you appropriately.
How much can I borrow?
Amounts vary widely — UK Business Loans organises finance from around £10,000 upwards. Exact limits depend on lender appetite, security and trading performance.
Do you charge for the service?
No. Completing the eligibility check is free. We may receive commission from lenders/brokers if you go on to accept an offer.
Ready to check eligibility? Get your free pub finance quote today
Start with a quick enquiry and we’ll match your pub with the lenders and brokers most likely to help. It takes under two minutes and will not affect your credit score. Receive personalised quotes and decide in your own time — no obligation.
Get Quote Now — Free Eligibility Check
Trusted resource: for an in‑depth overview of pub lending options see our pubs business loans industry page on the UK Business Loans site: pubs business loans.
1. How do I check eligibility for a pub business loan? — Complete the free 2‑minute online eligibility enquiry form and we’ll match your pub to specialist lenders and brokers (this is an enquiry only, not a credit application).
2. Will submitting an enquiry affect my credit score? — No — submitting an eligibility enquiry via UK Business Loans does not trigger a credit search; lenders may only carry out checks if you proceed to a full application.
3. What types of pub finance can I get? — Pub finance options include business/term loans, commercial mortgages, asset and equipment finance, bridging loans, merchant cash advances and refinance/consolidation tailored to hospitality.
4. How quickly will I receive quotes for pub finance? — Most matched lenders or brokers contact you with indicative quotes within a few hours or up to 24–48 hours depending on request complexity.
5. How much can I borrow for a pub? — UK Business Loans organises finance from around £10,000 up to several million, with exact amounts depending on lender appetite, security and your pub’s trading performance.
6. Can I get finance for a leased or tied pub? — Yes — options exist for leased or tied pubs but availability often depends on lease terms, landlord consents and lender criteria, so include lease details on the enquiry form.
7. Can I get a pub loan if I have poor credit? — Some specialist lenders on our panel work with adverse credit or turnaround cases, though the range and cost of options depend on credit severity and supporting security or cashflow.
8. Do you charge for using UK Business Loans or submitting a form? — No — completing the eligibility check and receiving initial quotes is free, although we may receive commission from lenders if you accept an offer.
9. What documents will lenders commonly request for pub finance? — Typical documents include 3–6 months business bank statements, company accounts and management accounts, director ID and proof of address, lease/freehold details and quotes or forecasts for projects.
10. How do I start the pub finance process with UK Business Loans? — Click “Get Quote”, fill in the short enquiry form (under two minutes) and we’ll match you with suitable, trusted lenders and brokers who will contact you with personalised options.