01
Uneven trading
Model the facility against shoulder-season revenue and poor-weather weeks, not only annual turnover.
Hospitality
Funding for the hospitality trade.
Capital for pubs, bars, hotels, late-night venues and event operators. Built for the seasonality, late settlement and weather-driven cash flow that defines the trade.
£5k – £5M
Funding range
3 – 24 mo
Repayment terms
File dependent
Review timing
Before choosing funding
Plan around weather, bookings and peak weeks
A useful facility should follow the commercial cycle it is paying for. These are the details worth testing before comparing offers.
02
Booking lead times
Separate confirmed group bookings from expected walk-in trade when forecasting repayment capacity.
03
Licence and project dependencies
Build contingency around permissions, contractors and supplier lead times before drawing for a refurbishment.
What to prepare
Having these ready makes the first review more useful and reduces avoidable follow-up.
- Recent bank and card statements
- Booking or occupancy report
- Site-by-site revenue where relevant
- Refurbishment budget and timetable
Questions worth asking
Use these to compare the repayment structure with the way your business earns cash.
- 01Is repayment fixed or linked to receipts?
- 02How does the facility perform outside peak season?
- 03Are rent, VAT and existing commitments included in affordability?
Hospitality margins flex with weather, season and weekday rhythm. A useful facility should respect that trading pattern, with repayment assessed against both peak and quieter periods.
We work with operators across UK hospitality, from neighbourhood freehouses to managed estates and boutique hotels. Underwriting reads the trading book and forward bookings, not just balance-sheet headlines.
Typical use cases
- Refurbishment, dilapidations and lease premium
- Beer garden, terrace and outdoor cover
- Energy efficiency upgrades and kitchen retrofit
- Pre-season stock and supplier deposits
- Hiring brigade and front of house
- Bridging VAT, PAYE or rent quarter
Useful reading
Go deeper before you decide.
Practical guide6 min read
Seasonal business funding for UK trading peaks: how to fund a busy quarter
A practical playbook for funding a UK seasonal peak: sizing the facility, choosing the repayment shape that matches the peak, and getting funds landed before demand does.
Practical guide4 min read
Working capital loans in the UK: the operator's guide
Working capital finance covers the gap between money going out and money coming in. Here's how UK operators use it well.
File based
Review timing
£5k–£5M
Facility size
Explained
Search process
Clear
Written terms
Funding most suited to hospitality
Merchant cash advance
Advance against future card receipts. Repay as a small share of daily settlements.
Learn moreRevenue based financing
Repayments calibrated to top-line cash receipts. Eases in quieter months.
Learn moreTerm business loan
Fixed monthly repayments over 3 to 24 months for planned investment.
Learn moreFrequently asked
Do you fund tenanted pubs as well as freehouses?
Yes. We work with both tenancy and freehold operators, including BII and managed estate.
Can funds bridge a VAT or rent quarter?
Yes. Short-dated bridging for VAT, PAYE or rent is a common use.
What about hotels with strong seasonality?
Revenue based financing is purpose-built for it, repayments rise in peak months and ease in shoulder season.
Will a personal guarantee be required?
Often, for larger facilities. We will be clear about this on the offer before you sign.
When the bank says no, we take a closer look.
Start with a short initial enquiry. If a credit search is needed later, it will be explained first.
Check eligibility