Hotel Business Loans UK: Fast, Simple Access to Hotel Finance

Running a hotel means balancing high fixed costs with seasonal demand, refurb cycles, energy bills, staffing and OTA commissions. When cash flow gets tight or growth opportunities arise, fast access to the right funding matters.

UK Business Loans connects hotels, B&Bs, guesthouses and hospitality operators with trusted UK lenders and brokers who understand your sector. Our service is free to use, there’s no obligation, and your initial enquiry won’t affect your credit score. Share a few details and we’ll introduce you to suitable partners who can provide quotes by phone or email.

Get Quote Now – Free Eligibility Check

Why UK Business Loans for Hotels?

• Sector-matched partners: We connect you with lenders and brokers experienced in hotel finance—from single-site independents to multi-site groups.
• Fast responses: Submit one short enquiry and get quick contact from relevant partners—often the same day.
• Free and no obligation: Our introduction service is free for UK businesses. You choose whether to proceed.
• Nationwide coverage: England, Scotland, Wales and Northern Ireland.
• Transparent and clear: We are an introducer, not a lender or adviser. We share your details only with relevant, reputable partners who follow industry guidelines and treat customers fairly.

Start Your Enquiry – 2-minute form

How It Works

1. Tell us about your hotel
   Share a few details: trading status, turnover, purpose (e.g., refurbishment, acquisition, seasonal cash flow), and contact info.
2. We match you
   We introduce you to trusted brokers/lenders that fit your requirements, loan size and sector profile.
3. Get quick contact
   Expect a call or email to discuss options. You can compare offers and terms. No obligation to proceed.
4. Choose and move forward
   If you like an offer, work directly with the lender/broker to complete. We’re here to help along the way.

Get Started – Free Eligibility Check

Hotel Finance Options We Can Introduce

Every hotel is different. Our partners arrange a wide range of funding products tailored to hospitality needs across the UK.

Unsecured Business Loans

• Working capital for seasonality, supplier payments, marketing or hiring.
• Typically based on trading performance and affordability.
• Terms can be short to medium. Personal guarantees may be required.

Secured Business Loans

• Larger funding amounts using property or other assets as security.
• Useful for major refurbishments, extensions or consolidating expensive debt.
• Security and affordability assessments apply.

Commercial Mortgages and Remortgages (Hotels)

• Purchase, refinance or release equity from trading hotel properties.
• Options for owner-operators and investment structures.
• Our network includes experienced commercial mortgage brokers.

Important: Your property may be at risk if you do not keep up repayments on a mortgage or other secured loan.

Bridging Finance

• Short-term funding for acquisitions, renovations or buying at auction.
• Typically repaid via refinance or sale. Speed is key.

Asset Finance and Equipment Finance

• Fund kitchen equipment, laundry, boilers, HVAC, vehicles, EPOS/PMS hardware and more.
• Spread the cost and preserve cash flow.

Fit-Out and Refurbishment Finance

• Finance for room upgrades, bathrooms, lobby/bar/restaurant refurb, accessibility improvements and FF&E.

Merchant Cash Advance (where applicable)

• Repayments flex as a percentage of future card takings.
• Useful for card-heavy hospitality businesses with seasonal peaks.

Invoice Finance (for corporate/event bookings)

• Release cash tied up in corporate or event invoices (where relevant to your trading model).

VAT and Tax Funding

• Smooth larger HMRC bills to protect working capital during quiet periods.

Sustainability and Energy Efficiency Finance

• Fund solar PV, heat pumps, insulation, battery storage, EV chargers and LED upgrades—cut energy costs and improve ESG credentials.

See your options – Get a Free Eligibility Check

Common Use Cases for Hotels

• Refurbish rooms and bathrooms: Maintain standards and ADR/RevPAR with phased or full refurb programmes.
• Expand or acquire: Buy a freehold/leasehold, add rooms, or acquire a second site.
• Manage seasonality: Cover off-peak costs for staffing, utilities and maintenance.
• Upgrade technology: PMS, channel managers, Wi‑Fi, EPOS, contactless check‑in/out, reputation tools.
• Boost energy efficiency: Reduce bills and improve EPC ratings with modern systems.
• Marketing and distribution: Website revamps, PPC, social, PR, photography and virtual tours.
• Compliance and safety: Fire systems, accessibility works, Legionella and regulatory upgrades.
• Unexpected repairs: Boilers, roofing, plant or lift repairs that can’t wait.

Eligibility: What Lenders Typically Look For

Criteria vary by product and lender. Partners may consider:

• Time trading: Options exist for start-ups and established hotels; many products prefer 6–24 months’ trading.
• Turnover and profitability: Revenue mix, occupancy, ADR, RevPAR, EBITDA and seasonality patterns.
• Bank statements and affordability: Cash flow stability and headroom.
• Security available: Property, business assets or personal guarantees where applicable.
• Card takings: For merchant cash advances or turnover-based products.
• Credit profile: Adverse credit may be considered by certain lenders, subject to a full review.
• Business plan and forecasts: Particularly for acquisitions, developments or new concepts.
• Property details: Tenure, valuation, planning, EPC and trading performance (for secured/mortgage products).

Good news: If your profile isn’t a fit for one product, our partners may offer alternatives.

Documents Checklist (What to Have Ready)

• Basic business info and director ID
• Last 3–12 months’ business bank statements
• Latest financial accounts and management figures
• Card processing statements (if applicable)
• Occupancy, ADR and RevPAR data (if available)
• Existing debt schedule (if any)
• Asset/equipment list and quotes (for asset/fit-out finance)
• Property details, leases or title documents (for secured or mortgage products)
• Business plan and cash flow forecasts (helpful for acquisitions or start-ups)

Terms, Repayments and Speed: What to Expect

These are general pointers; actual terms depend on your circumstances and lender criteria:

• Unsecured loans: Typically 3–60 months. Fast decisions—sometimes within 24–72 hours after documents.
• Secured loans: Larger amounts, often longer terms (e.g., 1–6+ years), subject to valuation and legal work.
• Bridging: Short-term (e.g., 3–24 months), arranged quickly for time-sensitive deals.
• Asset/equipment finance: Often 1–5 years (sometimes longer for certain assets).
• Commercial mortgages: Longer terms (up to 25 years in some cases), subject to valuation, underwriting and legals.
• Merchant cash advance: Flexible repayments based on future card takings.

Check your eligibility – No obligation, free enquiry

Who We Help in Hospitality

• Independent hotels and boutique properties
• B&Bs and guesthouses
• Aparthotels and serviced apartments
• Country inns with rooms and gastro pubs
• Holiday parks, lodges and leisure resorts
• Multi-site operators and management companies
• Start-up hotel projects (with plans, experience and security)

Illustrative Hotel Funding Scenarios

These examples are for illustration only and are not offers or quotes. Terms vary.

Boutique refurbishment, North West England:
A 22-room boutique hotel needed £250k for bathrooms, soft furnishings and a bar refresh. Introduced to a hospitality-focused broker; package split between fit-out finance and an unsecured top-up to keep cash flow healthy. Works completed ahead of peak season.

Seasonal working capital, coastal B&B:
A 12-room B&B sought £40k to bridge winter utility costs and pre-season marketing. Introduced to a lender offering a short-term unsecured facility with repayments aligned to the high season start date.

Acquisition bridging, Midlands:
Operator agreed to buy a freehold 30-room property at auction. A bridging lender provided short-term funding to complete within the deadline, with an exit via a commercial mortgage arranged by the broker once trading data was stabilised.

Want tailored options? Get a Free Eligibility Check

Bank Loans vs. Specialist Hospitality Finance

• Speed and flexibility: Specialist lenders often move faster and flex around seasonality.
• Sector understanding: Underwriters familiar with occupancy, ADR/RevPAR, OTA dynamics and refurb cycles.
• Broader product set: Mix and match solutions (asset, fit-out, bridging, unsecured) to suit your plan.
• Documentation: Brokers can help present your case clearly to save time.

Where your bank can support on good terms, brokers can still complement with additional or alternative solutions.

Costs and Transparency

• No charges from us: Using UK Business Loans is free for UK businesses.
• Lender/broker fees: Some partners may charge arrangement or broker fees. They will disclose all costs and terms clearly before you proceed.
• Representative examples: Where required for specific products, partners will provide representative examples and APRs.
• Commission: We may receive a commission from partners if you proceed. This does not change the price you pay.

Compliance and Important Information

• We are not a lender and we do not provide financial advice. We act as an introducer to UK-based finance brokers and lenders.
• Your initial enquiry will not affect your credit score. Partners may conduct soft or hard credit checks if you choose to proceed with an application.
• All finance is subject to status, affordability and lender terms. Security may be required.
• For secured lending, your property or other assets may be at risk if you do not keep up repayments.
• We aim for clear, fair and not misleading information. Please review all disclosures and terms from any lender or broker before committing.

Start Your Enquiry – Get Quote Now

Frequently Asked Questions (Hotels)

Can I get hotel finance if my income is seasonal?
Yes, many hospitality lenders understand seasonality. Solutions like unsecured loans, merchant cash advances or tailored repayments may be available, subject to status and affordability.

Will my enquiry impact my credit score?
No. Completing our enquiry form will not affect your credit score. If you proceed with a lender/broker, they may run checks with your consent.

How fast can funding be arranged?
Some unsecured and short-term facilities can be agreed within 24–72 hours once documents are supplied. Secured lending, bridging and mortgages typically take longer due to valuations and legal processes.

Do you charge any fees?
Our introduction service is free. Some lenders/brokers may charge fees and will disclose these clearly before you agree to proceed.

Can start-up hotels get funding?
Potentially, yes—usually with a strong business plan, relevant experience and security or deposit. Brokers in our network specialise in start-up and development cases.

What if I have imperfect credit?
Some lenders consider adverse credit. Options and rates depend on overall affordability, security and the business case.

What documents will I need?
Typically bank statements, accounts, ID and details of the property/equipment or refurbishment plan. Your broker/lender will confirm the exact list.

Are commercial mortgages regulated?
Commercial mortgages are generally unregulated; however, partners we work with follow relevant industry guidelines and treat customers fairly.

Ready to compare options? Free Eligibility Check

Get Started – Free, No-Obligation Enquiry

• Complete a short form in under two minutes
• We match you with suitable hotel finance partners
• Get quick contact and compare options
• Choose the best route for your hotel—no obligation

Get Quote Now

UK Business Loans is an introducer and does not lend directly or provide financial advice. Finance subject to status and terms. Security may be required. Your property may be at risk if you do not keep up repayments on a mortgage or other secured loan. Using our service is free for UK businesses. We may receive a commission from partners if you proceed.

1) How do I apply for a UK business loan online with UK Business Loans?
Answer: Complete our 2‑minute enquiry and we’ll match you with trusted UK lenders and brokers who contact you within hours.

2) Is UK Business Loans a lender or broker?
Answer: We’re not a lender or financial adviser; we act as an introducer connecting you with FCA‑regulated UK brokers and lenders.

3) How quickly can I get quick business funding for my UK company?
Answer: You’ll typically get a response within hours, and subject to approval some lenders can fund in just a few days.

4) What loan amounts can I access through your network?
Answer: Our partners offer funding from around £5,000 up to £5 million+ depending on your needs and eligibility.

5) How do I compare UK business finance deals to find the best small business loans UK?
Answer: We connect you with multiple relevant lenders so you can review offers and terms side‑by‑side and choose the best fit.

6) What types of finance can you help with (asset finance UK, invoice finance for SMEs, cashflow loans)?
Answer: We can connect you to unsecured and secured business loans, asset and equipment finance, invoice finance, vehicle and fit‑out finance, refinance, short‑term and cashflow loans.

7) Do you offer green business loans UK for sustainability projects?
Answer: Yes, we match businesses with lenders funding solar, EV chargers, heat pumps and other energy‑efficiency upgrades.

8) Can start‑ups or businesses with bad credit apply for a business loan?
Answer: Yes—many of our partners specialise in start‑ups and can consider applications from businesses with imperfect credit histories.

9) Will submitting an enquiry affect my credit score, and what information do I need?
Answer: Your enquiry won’t affect your credit score, and you only need basic business details and the funding purpose and amount to get started.

10) Are your partners FCA‑regulated and is your service free with no obligation?
Answer: We only work with reputable, FCA‑regulated brokers and lenders, and our service is free with no obligation to proceed.