Hospitality Business Loans UK
Get up to £6000 funding within 24-48 hours
Get quick, flexible funding for your hospitality business with an MCA. Upgrade facilities, invest in staff, or run promotions without fixed repayments.
- Low Interest
- Low deduction
- Maximum time
- Multiple loan positions
Types of Hospitality Business Loans
Understanding your funding options is vital for maintaining and growing your hospitality business. Here are five tailored loans designed to support businesses in 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. Equipment Financing
Finance the purchase of kitchen appliances, furniture, or technology. Fixed repayments make budgeting easier.
3. Short-Term Loans
Quick access to funds for immediate needs, such as seasonal promotions or urgent repairs.
4. Business Lines of Credit
Access flexible funds up to a set limit. Pay interest only on what you use, making it great for handling unexpected expenses or cash flow gaps.
5. Refurbishment Loans
Finance renovations or expansions, ensuring your hospitality business remains competitive.
| Loan Type | Funding Speed | Collateral Needed | Repayment Terms | Best For |
|---|---|---|---|---|
| Merchant Cash Advance (MCA) | 24–48 hours | No | % of daily card sales | Seasonal or variable sales |
| SBA Loans | Weeks/months | Yes | Fixed monthly payments | Low-risk, long-term projects |
| Equipment Financing | 2–7 days | Yes | Fixed payments (short-term) | Purchasing new equipment |
| Business Lines of Credit | Same day–1 week | Sometimes | Pay as you use | Handling cash flow gaps |
| Short-Term Loans | 24–72 hours | Sometimes | Fixed payments (short-term) | Immediate expenses or growth |
What is Merchant Cash Advance?
A Merchant Cash Advance (MCA) offers upfront funds to businesses in exchange for a percentage of future card sales. It’s a fast, flexible solution designed for businesses with fluctuating revenue, providing funding without the need for collateral or perfect credit.
How MCA 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 Hospitality Businesses
Merchant Cash Advances (MCA) provide restaurants with a fast, flexible, and hassle-free funding solution tailored to their unique needs. Whether you’re expanding, upgrading equipment, or managing seasonal cash flow, an MCA offers several advantages:
Flexible Repayments – Aligned with Your Sales
Repay a small percentage of your daily card sales automatically. No fixed monthly payments mean you pay more during busy periods and less when sales slow down, ensuring stable cash flow.
Compatible with Your Card Machine
No need for additional equipment or setup. MCA integrates with your existing PDQ card machine, making repayment effortless and convenient through your card sales.
Get Funded in Just 24 Hours
Access funding quickly with streamlined approvals. Once approved, your funds—ranging from £3,000 to £300,000—can be in your account within 24 hours, so you can act fast on business opportunities.
Unsecured and Stress-Free
MCAs are unsecured, so your business assets remain safe. Approval is based on your sales history, not your credit score or collateral, making it a stress-free option for funding.
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 Hospitality Business Loan
Flexible Funding to Help Your Hospitality Business Thrive
The UK hospitality industry continues to grow, with millions of customers dining out and booking stays each year. To stay competitive, businesses in the hospitality sector need quick access to funds to handle seasonal demand, upgrades, or unexpected expenses.
A Merchant Cash Advance provides the financial flexibility you need, with fast approvals, no collateral required, and repayments tied to your card sales. Whether you’re upgrading your facilities, stocking up for the busy season, or launching marketing campaigns, an MCA offers the funding you need to keep your hospitality business thriving.
FAQs About Hospitality Business Loans
You can borrow up to 150% of your average monthly card sales. For example, if your business earns £10,000 per month through card payments, you could access up to £15,000 in funding.
Repayments are flexible and based on a percentage of your daily card takings. This means you’ll repay more when business is busy and less during quieter periods, helping to manage your cash flow.
Yes, you can! As long as your restaurant has been trading for at least 4 months and you have consistent card sales, you’re eligible to apply.
The cost of an MCA is based on a transparent factor rate. There are no hidden charges or confusing terms like APR. Everything is clearly explained upfront, so you’ll know exactly what to expect.
You can use the funding for stock, equipment, renovations, marketing, or operational expenses.
Get a Merchant Cash Advance quote today
- Low Interest
- Low deduction
- Maximum time
