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Hospitality Business Finance

A refit, new kitchen or busy season can require spending before the extra bookings arrive. Compare funding for restaurants, pubs, cafés and hotels against their actual trading pattern.

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Budget for the reopening, not just the refurbishment

A venue improvement can reduce income while work takes place. Include closure costs, staff, stock and the time needed to rebuild bookings alongside contractor quotes. For hotels, test occupancy and room-rate assumptions; for restaurants, allow for covers, food costs and staffing. A busy weekend should not be the only basis for a repayment forecast.

Kitchen and venue equipment

Equipment finance may suit eligible ovens, refrigeration and other business assets. Check servicing, warranty and installation responsibilities.

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Card-linked funding

A merchant cash advance uses an agreed share of eligible card receipts. Compare the total cost and the deductions left after wages and suppliers.

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Refurbishment or growth

Business loans may support a defined project or operating requirement. Include delays and quieter trading when checking affordability.

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Information to prepare

Prepare recent accounts, card statements where relevant, a seasonal cash forecast and detailed project quotes. Explain lease permissions, planned closures and existing finance deductions. Check that the business can keep meeting normal bills while repayments begin.

Your questions answered

Do repayments stop during a quiet season?

Do not assume so. Fixed loan repayments normally continue. Card-linked collections may vary with eligible sales, but the agreement can contain other obligations or minimum requirements.

Discuss your hospitality funding requirement

Tell us what you need to fund, when you need it and how you plan to repay. Availability and terms depend on the provider’s assessment.

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Finance is subject to eligibility, status and lender terms. Security or a personal guarantee may be required.

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