How we structure finance for a hospitality trade
The products we arrange for operators, owner-occupiers and investors buying, refinancing, refurbishing or developing a trading hospitality business, used alone or together.
We arrange the full range of hospitality finance, each product sized on the going-concern trade rather than on bricks and mortar. A commercial mortgage funds the purchase or refinance of a freehold trading business against its fair maintainable trade. Bridging finance carries an acquisition, a reposition or a refurbishment before a term refinance. Development finance funds a new-build or a major conversion, drawn in stages against a monitoring surveyor. A business loan funds a leasehold trade or a new opening, and asset finance funds the kitchen, fixtures and fit-out. Refinancing replaces costlier debt or releases equity once the trade is proven, and a VAT loan bridges the reclaim on an opted purchase. We model the right structure, set the exit, run it across the lender market, and place the facility that fits the asset, the trade and the timeline. We are a finance arranger and introducer, not a lender.
Commercial mortgages
The long-term loan that funds the purchase or refinance of a trading hospitality asset, secured on the property and sized on the income the business produces. A hospitality commercial mortgage is underwritten on occupancy, room rate, wet and dry sales and the trading accounts as much as on the value of the bricks, so it is placed with the specialist lenders who understand a going concern. We arrange and place these facilities across the UK.
Learn moreBridging finance
The short-dated, secured loan that moves faster than a term mortgage, funding a hospitality purchase, an auction lot, a refurbishment or a chain-break where speed or condition rules out a conventional mortgage. A bridging loan is priced per month and repaid by a defined exit, a term refinance or a sale, so the exit matters as much as the security. We arrange and place bridging finance across UK hospitality property.
Learn moreDevelopment finance
The staged facility that funds building or converting a hospitality asset, from a ground-up hotel to an office turned into aparthotels, drawn against a monitoring surveyor as the works progress. Development finance is sized on the cost to build and the value the finished scheme will reach, then repaid by a sale or a term refinance once the asset is complete and trading. We arrange and place development finance across UK hospitality.
Learn moreBusiness loans
The fixed-term loan that funds the trade rather than the bricks: working capital, a fit-out, a seasonal cashflow gap or an expansion for a hotel, restaurant, pub or guest house. A hospitality business loan can be secured or unsecured and is sized on the trading performance and cashflow of the business, so the strength of the accounts, not just the property, sets what is available. We arrange and place business loans across UK hospitality.
Learn moreRefinancing
The refinance that replaces existing debt on a trading hospitality asset with a better facility: a keener rate, a longer term, a move off maturing bridge or development finance, or a cash-out that releases equity once the trade and the value have grown. A commercial refinance is sized on the income the business now produces and the interest cover it gives, so a stronger trade raises more. We arrange and place hospitality refinances across the UK.
Learn moreVAT loans
The short bridge that funds the VAT charged when you buy a commercial hospitality property, covering the 20 percent due at completion until you reclaim it from HMRC a quarter later. A VAT loan stops the tax from tying up the cash meant for the deposit and the works, and it repays itself from the reclaim. We arrange and place VAT loans on hospitality purchases across the UK.
Learn moreAsset finance
The finance that spreads the cost of the equipment a hospitality business runs on, from a commercial kitchen or refrigeration to furniture, fittings, EPOS and vehicles, secured against the asset itself rather than the property. Asset finance keeps the cash in the business by paying for equipment over its working life through hire purchase or a lease. We arrange and place hospitality asset finance across the UK.
Learn moreAcquisition finance
The finance that funds buying a trading hospitality business, whether a freehold hotel sold with its trade, a leasehold restaurant sold with its goodwill, or a small portfolio bought in one deal. Acquisition finance is sized on the EBITDA and the fair maintainable trade the business produces, often blending a term loan, the property, seller financing and an earn-out into one structure. We arrange and place hospitality acquisition finance across the UK.
Learn moreNot sure which finance fits?
Send us the business and the trade and we will tell you what is fundable and how best to structure it.