Business loans for hospitality businesses

• Cash flow challenge: Hospitality businesses often face rising costs, fluctuating seasonal demand, and the need for continuous investment in staff, stock, and venues.

• Perfect for: Hotels, restaurants, pubs, cafés, bars, and leisure operators needing funding to cover operating costs, refurbish venues, or expand capacity.

Novuna helps hospitality businesses access flexible funding to manage cash flow, invest in upgrades, and plan for long-term success, either through our award-winning in-house service or by comparing providers to ensure you have the best deal for your situation.

Boost your cash flow Speak to an expert

Supporting growth and stability across the hospitality industry

Running a hospitality business means balancing customer experience with high operational costs. From seasonal fluctuations to increased supplier prices and staffing challenges, maintaining consistent cash flow is key.

Business loans can enable you to expand your premises, fund staff and recruitment, purchase equipment and cover supplier costs.

Best types of business loans for hospitality businesses

1. Working capital loans

Designed to keep your operations running smoothly, especially during quieter trading periods.

Advantages:

• Provides liquidity for payroll, stock, and supplier costs.

• Keeps your business steady through seasonal dips.

• No need to rely on overdrafts or personal credit.

Explore working capital loans to maintain a healthy cash position all year.

2. Merchant cash advances

Perfect for restaurants, bars, and cafés that take card payments. Repayments flex with your daily or weekly revenue.

Advantages:

• Repay as you earn — ideal for variable seasonal income.

• No fixed monthly payment pressure.

• Fast access to capital for immediate expenses.

Get access to merchant cash advances to manage your cash flow dynamically today.

3. Equipment and refurbishment loans

Finance for kitchen upgrades, new furniture, or energy-efficient systems.

This funding is particularly useful for:

• Spreading large costs over time instead of upfront payments.

• Improve customer experience and operational efficiency.

• Preserve working capital for daily running costs.

4. Short-term and quick business loans

Ideal for managing immediate costs, staffing, or cash flow gaps.

• Quick approval and access to funds.

• Minimal paperwork and flexible terms.

• Keeps operations running during peak demand or emergencies.

 Find out how quick business loans can help your hospitality business stay agile.

5. Invoice finance

If you work with corporate clients or event contracts, invoice finance releases cash from unpaid invoices.

Advantages:

• Access up to 90% of invoice value within days.

• Improve liquidity without adding debt.

• Smooth cash flow between large contracts and payments.

Explore our invoice finance to bridge payment gaps and keep cash moving.

How hospitality business loans work

1. Apply online or through a specialist provider with details of your funding need.
   
   
2. Receive an offer tailored to your turnover, trading history, and goals.
   
   
3. Access funds quickly, often within 24–72 hours.
   
   
4. Repay in predictable instalments or via flexible turnover-based models.
   

Boost your cash flow Speak to an expert

Benefits of business loans for hospitality providers

• Fast access to funds: Receive your advance within 24-48 hours of approval.

• Support for growth: Expand your business or open new locations.

• Improved operations: Invest in equipment, facilities, or technology upgrades.

• Use funds your way: Cover payroll, restock inventory, renovate your venue, or launch a marketing campaign.

How Novuna Business Cash Flow can help

We’ve helped restaurants, hotels, cafés, and leisure businesses across the UK secure reliable funding for growth and stability.

Speak to our experts today and we will help you find a great fit for your situation.