Pub Business Loans UK
Get up to £6000 funding within 24-48 hours
Running a pub isn’t just about serving drinks—it’s about keeping things fun and inviting. Whether you need new equipment or extra stock for a busy weekend, quick funding helps you stay ready and keep customers happy.
- Low Interest
- Low deduction
- Maximum time
- Multiple loan positions
Why Do Pubs Need Funding?
Running a pub is rewarding, but it’s not always easy. You need to keep things running smoothly, which means investing in your business. This could be replacing old beer taps, ovens, or fridges so everything works properly, or stocking up on drinks and snacks for busy weekends and big events. Sometimes, your pub might need a fresh coat of paint, better seating, or even an outdoor beer garden to attract more customers. Adding new menus, seasonal drinks, or entertainment can also bring in bigger crowds and keep things exciting. On top of that, managing rent, wages, and unexpected repairs during quieter weeks can be tough. Flexible funding helps you make these improvements without the stress of fixed monthly payments, so you can focus on keeping your pub running and your customers happy.
Types of Pub Business Loans
Finding the right funding option for your pub can make all the difference. Here are five options tailored to pubs.
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.
3. Equipment Financing
Specifically designed to purchase or lease equipment. Fixed repayment terms make it perfect for upgrading your kitchen or dining setup.
4. Short-Term Loans
Quick cash to handle immediate expenses like stocking up for big events, hiring extra staff, or repairs.
5. Business Lines of Credit
A flexible pot of funds you can use whenever needed, paying interest only on what you spend.
6. Refurbishment Loans
Designed to fund pub makeovers, including fresh décor, outdoor seating, or a complete renovation.
Comparison Table: Types of Restaurant Loans
Loan Type | Funding Speed | Collateral Needed | Repayment Terms | Best For |
Merchant Cash Advance (MCA) | 24–48 hours | No | % of daily card sales | Seasonal peaks or fluctuating income |
Equipment Financing | 2–7 days | Yes | Fixed payments | Upgrading equipment |
Short-Term Loans | 24–72 hours | Sometimes | Fixed payments | Immediate expenses |
Business Lines of Credit | Same day–1 week | Sometimes | Pay as you use | Emergencies or operational costs |
Refurbishment Loans | 1–2 weeks | Yes | Fixed payments | Renovating or upgrading interiors |
What is Merchant Cash Advance?
A Merchant Cash Advance (MCA) is perfect for pubs that take card payments. You receive a lump sum upfront, and repayments are made as a small percentage of your daily card sales. This means you repay more when business is booming and less when it’s quiet, making it a stress-free solution for pubs with seasonal or fluctuating income.
How a Merchant Cash Advance Works
A Merchant Cash Advance provides a lump sum upfront, which you repay through a small percentage of your daily card sales. Payments adjust automatically based on how much your business earns—when sales are high, you pay more, and during slower periods, you pay less. No fixed schedules or complex terms.
Benefits of Merchant Cash Advances for Pubs
Repay as You Earn
Pay back a small percentage of daily card sales, so repayments adjust with your business.
Quick Access to Funds
Get approved quickly and receive between £3,000 and £300,000 in as little as 24–48 hours.
No Collateral Needed
Approval is based on your card sales, so you don’t need to secure funding with your pub’s assets.
Keep Your Cash Flow Healthy
Only card transactions are used for repayment, leaving your cash payments free to handle other expenses.
Keep 100% of Cash Transactions
Only card sales are used for repayment. Your cash earnings remain untouched, allowing you to manage cash flow effectively and without added strain.
No Hidden Fees
All costs are clearly outlined upfront. You’ll know exactly what you’re paying, with no hidden charges, confusing APRs, or surprises.
Apply Anytime
Submit your application online 24/7. With a quick and straightforward process, you can apply at your convenience and get a decision in hours.
How to Apply for a Restaurant Loan
Flexible Funding to Keep Your Pub Thriving
The UK pub industry is the heart of local communities, but keeping up with customers’ expectations takes smart financial planning. Whether you’re stocking up for a busy football weekend, upgrading your kitchen equipment, or giving your pub a fresh new look, Paymentsave Merchant Cash Advance makes it easy to access the funds you need.
With fast approvals, flexible repayments, and no hidden costs, you can focus on pulling pints, serving great food, and keeping your customers happy.
FAQs About Merchant Cash Advances for Pub Business
You can borrow up to 150% of your average monthly card sales. If you take £10,000 in card sales monthly, you could borrow up to £15,000.
Repayments are taken automatically as a small percentage of your daily card sales, so you pay more when you’re busy and less when it’s quiet.
You can use it for anything—stock, equipment, refurbishments, staff wages, or unexpected repairs.
No, all costs are explained upfront—there are no surprises.
Get a Merchant Cash Advance quote today
- Low Interest
- Low deduction
- Maximum time
