Every hospitality format we fund, valued as a trade
Each hospitality format earns and is underwritten differently. We know which lenders back each one on its going-concern trade.
Hospitality lending turns on the trade, and the trade looks different in every format. A hotel is valued as a going concern on its occupancy, room rate and RevPAR. A restaurant, cafe or takeaway is backed on its covers and gross margin. Serviced accommodation and aparthotels are underwritten on operational income rather than a fixed lease, and a resort carries several income lines at once. In each case a lender works to the fair maintainable trade and the debt service it supports, and the tenure, whether freehold owner-occupied or leasehold, shapes the structure. We arrange finance across every format below, matching each business and its trade to the lenders that fund it.
hotels
We arrange hotel finance for operators, owner-occupiers and investors buying, refinancing, refurbishing or developing a hotel. A hotel is a trading business, so a lender underwrites it as a going concern on its fair maintainable trade rather than on bricks and mortar, and the loan is sized on the debt service that trade supports. This is commercial finance against the hotel and its income, not a regulated mortgage on a home.
Learn moreboutique hotels
We arrange boutique hotel finance for independent operators and investors buying, refinancing or repositioning a design-led hotel. A boutique hotel trades on rate and experience rather than volume, so a lender values it as a going concern on its fair maintainable trade and weighs the operator and proposition heavily. This is commercial finance against the hotel and its income, not a regulated mortgage on a home.
Learn moreaparthotels
We arrange aparthotel finance for operators and investors buying, refinancing or developing an extended-stay hotel. An aparthotel earns like a hotel but on longer stays and a leaner cost base, so a lender underwrites the operating model and the going-concern trade, not a fixed lease. This is commercial finance against the scheme and its income, not a regulated mortgage on a home.
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serviced accommodation
We arrange serviced accommodation finance for operators and investors funding serviced apartments, aparthotels and managed short-let stock. At scale these are trading assets, so a lender underwrites the operational income and the going-concern value rather than a residential mortgage. This is commercial finance against the units and their trade, not a regulated loan on a home.
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restaurants
We arrange restaurant finance for operators and investors buying, fitting out, refinancing or expanding a restaurant. A restaurant is a trading business, so a lender backs it on its covers, gross margin and the going-concern trade rather than on bricks and mortar. This is commercial finance against the premises and the business, not a regulated mortgage on a home.
Learn morecafes and coffee shops
We arrange cafe and coffee shop finance for operators buying, fitting out, refinancing or expanding a cafe. A cafe is a small trading business, so a lender backs it on its covers, gross margin and going-concern trade rather than on bricks and mortar. This is commercial finance against the premises and the business, not a regulated mortgage on a home.
Learn moretakeaways
We arrange takeaway finance for operators buying, fitting out, refinancing or expanding a takeaway. A takeaway is a trading business, so a lender backs it on its trade, gross margin and going-concern value rather than on bricks and mortar. This is commercial finance against the premises and the business, not a regulated mortgage on a home.
Learn moreresorts and spa hotels
We arrange resort and spa hotel finance for operators and investors buying, refinancing, refurbishing or developing a leisure-led hotel. A resort carries rooms, food and beverage, spa, golf and events, so a lender underwrites the blended going-concern trade across them. This is commercial finance against the resort and its income, not a regulated mortgage on a home.
Learn morepubs
We arrange pub finance for operators, tenants and investors buying, refinancing or repositioning a public house. A pub is a trading business, so a lender values it as a going concern on its fair maintainable trade and sizes the debt on the trade the pub can hold, not on a bricks-and-mortar figure alone. We package the accounts, the wet and dry split and the tenure and place the case with the specialist pub lenders, whether it is a free house, a tied lease or a free-of-tie agreement.
Learn morebars and nightclubs
We arrange bar and nightclub finance for operators and investors buying, fitting out or refinancing a drink-led or late-night venue. A bar or club is a trading business valued on its fair maintainable trade, so a lender sizes the debt on the trade the venue holds, the strength of the operator and the premises licence, not on the property alone. We package the accounts and the licence and place the case with the lenders comfortable with wet-led, late-night risk.
Learn moreguest houses
We arrange guest house finance for people buying, refinancing or upgrading an owner-operated guest house. A guest house is a trading business valued as a going concern on its fair maintainable trade, cross-checked against its bricks-and-mortar value, so a lender sizes the debt on the trade and the property together. We package the accounts, the room count and the split between the business and any owner's accommodation, and place the case with the specialist owner-occupier lenders.
Learn morebed and breakfasts
We arrange bed and breakfast finance for people buying, refinancing or improving an owner-run B&B. A bed and breakfast is a small owner-operated trade closely tied to its property, so a lender values it on the higher of its going-concern trade or its bricks-and-mortar value and sizes the loan on the maintainable trade after a realistic owner's income. We package the accounts, the room count and the seasonality, and place the case with the specialist owner-occupier lenders.
Learn moreholiday lets
We arrange holiday let finance for buyers and investors funding a furnished holiday let. A holiday let is assessed on the income it can earn from letting, so a lender sizes the loan on the projected letting income across the season rather than on your personal salary. We package the projections, the location and the property and place the case with the specialist holiday-let lenders, for a purchase, a refurbishment or a refinance.
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holiday and caravan parks
We arrange holiday park and caravan finance for operators and investors buying, developing or refinancing a holiday or caravan park. A park is an operating business valued on its EBITDA and its recurring pitch-fee income rather than a simple property yield, so a lender sizes the debt on the trade the park holds. We package the pitch-fee income, the static and lodge sales and the site infrastructure, and place the case with the specialist leisure and park lenders.
Learn morehostels
We arrange hostel finance for operators and investors buying, converting or refinancing a hostel. A hostel is a trading business that earns on bed rates and occupancy rather than a property yield, so a lender values it as a going concern and sizes the debt on the bed-rate income the site can hold. We package the occupancy, the bed mix and the operator's record and place the case with the lenders comfortable with budget-accommodation trade.
Learn morewedding and event venues
We arrange wedding and event venue finance for operators and investors buying, developing or refinancing a wedding or events venue. A venue is a trading business valued on its forward bookings and trade rather than a property yield, so a lender sizes the debt on the booking pipeline and the maintainable trade the venue can hold. We package the forward bookings, the seasonality and the fit-out and place the case with the specialist hospitality and leisure lenders.
Learn moreFinancing a hospitality business?
Whatever the format, send us the business and the trade and we will tell you what is fundable and on what terms.