Hotel Business Loans
Get up to £6000 funding within 24-48 hours
Get the right funding for your UK hotel with a Merchant Cash Advance. Enjoy flexible and fast financing to support your business, whether you’re looking to upgrade, expand, or improve cash flow.
- Low Interest
- Low deduction
- Maximum time
- Multiple loan positions
Types of Hotel Loans
When choosing the best loan option for your hotel, understanding the available options is key. Here are five popular loan types designed for the hospitality sector:
1. Merchant Cash Advance (MCA)
Get upfront funding based on your future card sales. Repay a percentage of daily transactions, making it ideal for seasonal or fluctuating revenue.
2. Term Loans
Perfect for large investments like expansions or renovations. These loans feature fixed monthly repayments over an agreed term, making them ideal for long-term projects.
3. Equipment Financing
Specially designed to fund the purchase or lease of essential hotel equipment like furniture, appliances, or technology. Offers predictable fixed repayments.
4. Business Lines of Credit
Access funds up to a set limit as needed. Only pay interest on what you use, making it ideal for covering operational costs or emergencies.
5. Bridge Loans
Short-term funding solutions to cover immediate needs, such as cash flow gaps, while waiting for longer-term financing or revenue.
Comparison Table: Types of Hotel Loans
Loan Type | Funding Speed | Collateral Needed | Repayment Terms | Best For |
Merchant Cash Advance (MCA) | 24–48 hours | No | % of daily card sales | Seasonal or fluctuating revenue |
Term Loans | Weeks/months | Yes | Fixed monthly payments | Long-term investments |
Equipment Financing | 2–7 days | Yes | Fixed payments (short-term) | Purchasing hotel equipment |
Business Lines of Credit | Same day–1 week | Sometimes | Pay as you use | Operational costs or emergencies |
Bridge Loans | 24–72 hours | Sometimes | Lump sum repayment | Covering cash flow gaps |
What is Merchant Cash Advance?
A Merchant Cash Advance (MCA) provides upfront funds based on your future card sales. It’s a fast, flexible, and unsecured funding option, allowing you to access money without the need for perfect credit or collateral.
How MCA Works?
With an MCA, your hotel receives a lump sum upfront. Repayments are automatically deducted as a small percentage of your daily card sales. This ensures that during high-revenue periods, you pay more, and during slower months, you pay less. The process is simple, with no fixed repayment schedule or hidden fees.
Benefits of Merchant Cash Advances for Hotels
Repay as You Earn
With a Merchant Cash Advance, you only repay a small percentage of your daily card sales. No set monthly payments – your repayments flex with your cash flow, so you won’t struggle during quieter months.
Quick Access to Funds
Get the funding you need fast! Once approved, you can receive between £3,000 to £300,000 in just 24-48 hours, so you can act quickly on any opportunities or cover urgent costs.
No Need for Collateral
With an MCA, there’s no need to risk your assets. The loan is based on your sales history, so you don’t have to secure it with property or equipment.
Keep 100% of Your Cash
Only card payments are used for repayment, which means your cash stays in your business to cover other expenses or investments.
Works Seamlessly with Your Card Machine
MCA integrates smoothly with your existing PDQ machine. No extra hassle, just automatic repayments based on your card sales.
Clear, Upfront Costs
No hidden fees or complicated APRs – you’ll know exactly what you’re paying from the start. Transparency is key to keep things simple.
Apply Anytime
Our online application is quick and easy. Apply whenever it suits you, even outside office hours – we’re always ready to help.
How to Apply for a Hotel Loan
Get Fast, Flexible Funding for Your Hotel’s Growth
The UK hotel industry plays a pivotal role in the economy, generating £24.2 billion in revenue in 2023 alone. With over 40,000 hotels across the country, it’s a competitive landscape where staying ahead often requires constant reinvestment. Whether you’re upgrading your facilities, launching a marketing campaign, or expanding to a new location, having access to quick, flexible financing is key.
Merchant Cash Advances (MCAs) offer a modern, hassle-free solution for hotel owners. With repayments tied to your daily card sales, you only pay when you earn, making it ideal for businesses with fluctuating cash flow.
Paymentsave provides fast approval times and high approval rates, ensuring you get the funding you need within 24–48 hours. Whether you’re a boutique hotel or a large chain, we help you access funding ranging from £3,000 to £300,000 without the need for collateral or complex applications. With flexible terms and transparent fees, we provide the financial support you need to keep your hotel thriving in today’s competitive market.
FAQs About Merchant Cash Advances for Hotels
You can borrow up to 150% of your average monthly card sales. For example, if your hotel earns £20,000 per month through card payments, you could access up to £30,000 in funding.
Repayments are flexible and based on your daily card sales. Pay more during busy periods and less during quieter times.
Yes, as long as your hotel has been operating for at least three months and has consistent card sales, you’re eligible.
Costs are based on a transparent factor rate with no hidden fees. Everything is clearly explained upfront, so you’ll know exactly what to expect.
Get a Merchant Cash Advance quote today
- Low Interest
- Low deduction
- Maximum time
