Hotels business loans — Do UK Business Loans act as a lender or an introducer for hotel finance?

Summary: UK Business Loans does not provide funding directly for hotels. We act as a specialist introducer — a fast, sector-aware matchmaker that connects hotel owners and operators with lenders and brokers who can offer hotel finance from around £10,000 upwards. This page explains exactly what an introducer does, how our process works, the types of hotel finance you can access via our partners, what to expect after you submit an enquiry, and practical steps to prepare for a quick, no‑obligation eligibility check. Ready to get matched? Get Quote Now.

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Quick answer

UK Business Loans is an introducer and lead‑matching service for hotel finance — we do not lend money directly. Our role is to collect a short, confidential enquiry and match hotel owners and operators to the right lenders and brokers who can assess, quote and, if approved, lend the funds. For a fast, no‑obligation match and quotes from providers suited to hotel finance needs, Get Quote Now.

What does “introducer” mean?

An introducer connects businesses that need finance with lenders or brokers who supply it. Key practical differences between an introducer and a direct lender:

• Who approves and funds? Lenders/brokers you are introduced to underwrite, approve and release funds. UK Business Loans only passes your enquiry to these partners.
• Who sets terms? The lender or broker sets the interest rates, term, security and repayment schedule — not the introducer.
• Who manages repayments? Repayments are managed by the lender (or the broker acting on their platform) once you have a live loan.

As an introducer we focus on speed and relevance: matching your business to partners who understand hotel and hospitality financing. Start your no‑obligation eligibility check now: Free Eligibility Check.

How UK Business Loans works for hotels

Our process is designed for busy hoteliers: quick to complete and effective at finding the right matches.

1. Complete a short enquiry form — takes around 2 minutes and asks about your business, the funding purpose and amount.
2. Sector‑aware matching — we match you to lenders and brokers with hospitality experience and the right product fit (refurb, mortgage, working capital, asset finance, development finance etc.).
3. Receive contact & quotes — partners may contact you by phone or email to run eligibility checks and provide indicative quotes.
4. Compare and proceed — you choose which provider to deal with directly; the lender/broker underwrites and funds if approved.

Matching considers project type, loan size (from £10,000 upwards), security, trading history and location. Typical initial responses often arrive within hours during business days. To start matching with lenders for hotel projects, Get Quote Now.

Types of hotel finance available via our partners

Our lender and broker panel can supply a wide range of hotel‑specific finance products. Common options include:

• Refurbishment / fit‑out finance — for room upgrades, public area refits and guest amenities.
• Working capital & short‑term cashflow loans — seasonal support, payroll and supplier gaps.
• Commercial mortgage & property purchase — purchase or long‑term finance for hotel buildings.
• Development & conversion finance — for converting buildings into hotels or scaling capacity.
• Asset finance — fund furniture, kitchens, laundry and plant equipment.
• Invoice finance & merchant cash advances — unlock working capital against invoices or card takings.
• Refinance & debt consolidation — restructure existing borrowings for better cashflow.

For more detail on hotel funding options and examples of providers we match to, see our industry guide to hotels business loans. If you know the finance you need, start a tailored match: Get Quote Now.

Why hoteliers use an introducer (benefits)

• Speed: a single enquiry goes to multiple, pre‑selected partners — far quicker than contacting providers one‑by‑one.
• Choice & competition: multiple offers to compare improves your negotiating position.
• Sector expertise: we prioritise partners with hospitality experience, so you avoid unsuitable lenders.
• Confidential convenience: one short form; you receive contact only from relevant partners.
• Free to businesses: submitting an enquiry to UK Business Loans is free; we are remunerated by partners if an enquiry converts.

See if a quick match saves you time and gets better quotes — Free Eligibility Check.

Compliance & transparency

We aim to be clear and not misleading. Important points:

• UK Business Loans does not provide funds — our role is to introduce you to lenders and brokers who will offer and administer finance.
• When a partner contacts you they will identify themselves and explain any checks they need to run (soft or hard credit checks will only happen with your permission).
• Any personalised rate, APR or legal terms will come from the lender/broker. We cannot guarantee approvals or quote APRs ourselves.
• We follow good practice for clear, fair communications so you can make an informed decision.

If you want to check partner credentials and what checks will be done, ask your matched broker or lender — or start with a Free Eligibility Check.

What to expect after you submit an enquiry

Submitting our enquiry form does not commit you to anything. Typical next steps:

• Initial contact window: usually within a few hours, often same‑day; complex requests may take longer (24–48 hours or more).
• Types of contact: phone, email or secure portal message to clarify eligibility and request documents.
• Documentation: lenders may ask for accounts, turnover figures, tenancy/ownership details and project plans for quotes.
• No pressure: you decide whether to proceed with any provider that contacts you.

Ready to receive quick, no‑obligation contact from lenders and brokers? Get Started — Free Eligibility Check.

Preparing your hotel’s finance enquiry — practical checklist

Having these ready speeds up matching and improves the quality of the quotes you receive:

• Company name, registration number and trading address.
• Nature of the hotel (size, number of rooms, star rating, trading model).
• Amount required and purpose (refurb, purchase, working capital, equipment).
• Last 2–3 years’ accounts or recent management accounts; projected turnover for seasonal forecasts.
• Details of property ownership or lease terms and any proposed security.
• Summary of existing debt and monthly repayments.
• Flags such as CCJs, insolvency history, or recent refusals — be upfront, it helps us match you correctly.

If you’re ready with those details, complete our short form for a fast match: Get Quote Now.

Typical eligibility, loan sizes, costs and timelines

General guidance to help set expectations:

• Loan sizes: our partners handle hotel loans from around £10,000 to multi‑million commercial mortgages and development facilities.
• Eligibility: depends on trading history, security offered, projected cashflows and the purpose. Newer hotels may access specialist start‑up or bridging solutions.
• Rates & costs: vary widely by product and risk: short‑term bridging or merchant cash advances cost more than long‑term commercial mortgages. Exact APRs are supplied by lenders.
• Timelines:
  • Asset finance / equipment: days to a few weeks.
  • Working capital / unsecured loans: decision in 24–72 hours often possible.
  • Mortgages / development finance: several weeks to months (valuations, legal, planning).

To understand what’s likely for your hotel and to receive real‑world quotes, Get Quote Now.

Frequently asked questions

Are you a lender for hotel finance?

No. UK Business Loans introduces hotel owners to lenders and brokers. We do not provide funds or underwrite loans.

Will submitting an enquiry affect my credit score?

No — completing our enquiry form is a soft process. Lenders may perform hard credit checks later, but only with your consent.

Does it cost to use UK Business Loans?

No — businesses pay nothing to use our matchmaking service. We are paid by partners when a lead converts into business.

How quickly will I receive a quote?

Often within hours for simple working capital or asset finance requests. Complex mortgages or development finance typically take longer.

What’s the minimum loan amount you handle for hotels?

Our partners typically consider projects from around £10,000 upwards.

Do you only work with FCA‑regulated partners?

We work with a wide panel of lenders and brokers that operate legally in the UK. A partner’s regulatory status and identity will be made clear when they contact you.

Am I obliged to accept any offer I receive?

No — all quotes and contacts are no‑obligation. You choose whether to proceed with any provider.

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Next steps — get your free eligibility check

If you run a hotel and need funding for refurbishment, purchase, seasonal cashflow or equipment, UK Business Loans can quickly match you to lenders and brokers who specialise in hospitality. Complete a short enquiry now to receive fast, no‑obligation contact and quotes from suitable providers. Get Quote Now.

1. Are you a lender or an introducer for hotel finance? — UK Business Loans is an introducer that matches hotel owners and operators with lenders and brokers; we do not lend, underwrite or fund loans ourselves.

2. How do I get a business loan for my hotel in the UK? — Complete our short, free enquiry form for a no‑obligation eligibility check and we will match you to lenders and brokers specialising in hotel finance who can provide quotes.

3. What types of hotel finance can I apply for? — Our partners provide refurbishment/fit‑out finance, working capital, commercial mortgages, development/conversion finance, asset finance, invoice finance/merchant cash advances and refinance solutions.

4. What loan sizes are available for hotels? — We match hotels to funding from around £10,000 up to multi‑million commercial mortgages and development facilities.

5. Will submitting an enquiry affect my credit score? — No — filling in our enquiry is a soft, non‑committal match request; lenders may perform hard credit checks later but only with your consent.

6. How quickly will I receive quotes and funding? — Simple requests often get contact and indicative quotes within hours or days, while commercial mortgages and development finance usually take several weeks to months to complete.

7. Do I have to pay to use UK Business Loans? — No — our matchmaking service is free for businesses; we are remunerated by partners only if a lead converts.

8. Can I get hotel funding with bad credit or limited trading history? — Yes — some specialist partners consider imperfect credit histories or newer hotels and can offer alternative or bridging solutions depending on the case.

9. What documents and information should I prepare for a hotel finance enquiry? — Be ready with company details, recent accounts or management accounts, turnover projections, property ownership/lease info, the funding amount and purpose, and a summary of existing debts and security.

10. Are the lenders and brokers you introduce FCA‑regulated and transparent about fees? — We work with reputable UK lenders and brokers who operate legally and will disclose their regulatory status, rates and any checks required when they contact you.