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Funding Options

Restaurant & Leisure Finance are leading finance specialists operating in the restaurant, bar, hotel and leisure sector. Our consultants have the most extensive, in-depth knowledge in the leisure industry. Quite simply, we help finance world-class working environments in the restaurant, bar, hotel and leisure sector.


Restaurant & Leisure Finanace has a long and distinguished track record, with many years’ experience of providing dependable and professional services for projects in the restaurant, hotel, pub, bed & breakfast, catering and leisure sector.

We will find the right lender with the best terms in the restaurant, hotel, pub, bed & breakfast, catering and leisure sector. We are members of the NACFB and adhere to a strict code of conduct. You ask we listen and to locate funding solutions that are created to meet the needs of your business and funding requirements.
Safeguarding business cashflow, protecting your IT assets, ensuring prospective customers are creditworthy, let Restaurant & Leisure’s competitive, tax-efficient financial products help your restaurant, pub, hotel, catering or leisure sector business to compete, thrive and grow.

We work with all businesses in the restaurant and leisure sector, both new starts and established in sectors such as:



Our restaurant and leisure finance team will help you decide which of the loans and finance options could be right for your business
Lease Finance


Lease finance for the purchase of equipment and fit out for pubs, bars, clubs, restaurants, hotels, guest houses and bed and breakfast accommodation
If you own a restaurant, café, pub or catering business, you may need access to lease finance to offer the very best facilities and services to your customers. We offer low cost tax efficient finance for asset purchases over 1-5 years.

Sale & Lease Back

Sale and lease back finance for the  pubs, bars, clubs, restaurants, hotels, guest houses and bed and breakfast accommodation sector is suitable after funds have already been spent on equipment or fit out.

Sale and leaseback can allow businesses in the catering sector to raise money from the sale of assets or costs of premises fit out. The business can then retain full use of them. Funds received from the re-finance equipment can be re-injected back into the business. We can arrange sale and lease back finance for all types of restaurants seeking to release equity in recently purchased assets, including fish and chip shops, pizza outlets, kebab shops, chinese and Indian takeaways.
Business loan


Business loans are relatively simple to apply for and receive funds for businesses in the  pubs, bars, clubs, restaurants, hotels, guest houses and bed and breakfast accommodation sector
Unsecured loans allow businesses in the pub, hotel, restaurant and leisure sector finance to borrow money without giving security on any assets. This option gives business in the restaurant, café, pub or catering sector quick and easy way to get an affordable cash injection into the business. We offer business access competitive loan agreements over 1-5 years.
Commercial Property & Business Mortgages
We specialise in finding the best commercial mortgages in the UK for both business owner-occupiers in the restaurant, pub, hotel, catering and leisure sector. Our restaurant and leisure team really understand the freehold and leasehold market and know when to approach a high street bank or a specialist lender for all leisure sector commercial property and business mortgage requirements.
Property Development Loans
We have funding solutions for new build projects, redevelopments, major renovation works or just general refurbishments. We can help with residential, commercial and mixed use developments.
Short Term ‘Bridging’ Finance

We are one of the UK’s leading specialist property finance brokers in the area of Bridging and Short Term property finance. Our team are highly experienced in the finance and property fields, and have detailed knowledge of the bridging loan sector. This expertise allows us to engineer and properly structure a loan facility to the benefit of all parties. Our team can be relied upon to deal with all cases effectively and efficiently, and to deliver short term property loans that solve financing requirements on all types of residential and commercial property transactions

Finance to buy a Trading Business
When you’re buying a trading business we can certainly assist. In certain cases we can raise up to 100% of the total price.  If you are looking to purchase a trading business such a pub, restaurant, be and breakfast of other leisure sector business office, we help raise the finance you need to achieve your business goals.


Confidential Factoring Solutions
Factoring enables you to access the value of outstanding customer invoices before they are paid. We provide the funding and manage your credit control, chasing and collecting outstanding invoice payments which saves you time and money. This type of business finance is suitable when catering businesses are forced to wait up to 90 days to get paid, once they have completed their service and sent an invoice.
Vehicle Leasing and finance
Vehicle leasing is a long-term rental agreement that allows you or your company to use a car or van for a set period of time at a fixed monthly price. It is an alternative, and often cheaper, funding solution to buying a new car or van with a bank loan or dealer finance.
The team at Restaurant and Leisure Finance will be able to advise business the chances of being able to get help from a government-backed support scheme.
Business loans are ideal where more specific finance products are not suitable. Business loans can be used to finance; Working capital requirements, purchase of plant, equipment and machinery, property refurbishment or any justifiable business need. Minimum and maximum amounts will vary between finance providers but typically amounts will start at £1,000 up to £1000,000. Business Loan terms will run from 1 to 10 years.
Hire Purchase
Hire purchase is a simple arrangement whereby companies pay for an asset in installments, taking eventual ownership of the asset at the end of an agreed fixed term. Hire purchase agreements can include allowing for the impact of seasonal pressures on restaurant and leisure sector business operations, so if, for instance, a restaurant business is extremely busy over Christmas but quiet in January and February, hire purchase agreements can tailor the payments to best suit cash flow at that time, helping businesses allow for budgeting. Under hire purchase monthly repayments don’t attract VAT and any charges can be offset against profits for taxation.
If you are considering raising finance for your business, project or venture then crowdfunding may be suitable. Crowdfunding is an alternative finance option if you have struggled to get bank loans or traditional funding. Crowdfunding is a relatively new form of business finance for the restaurant and leisure sector, with most providers less than a decade old. Yet its rapid growth has meant it is already providing significant amounts of capital to UK individuals and businesses in the restaurant and leisure sector.
Merchant cash advance / Business Cash Advance
There 1,000’s of restaurants in the UK and if customers are paying by credit and debit cards then this opens up a unique form of business loan for the sector, called a business cash advance or a merchant cash advance. A business cash advance or a merchant cash advance is an unsecured advance of cash based upon future credit and debit card sales. After the business borrows the money it will repay the amount a pre-agreed percentage the business’s credit and debit card sales. The payback of a business cash advance or a merchant cash advance directly linked to credit and debit card sales, this means the business pays back its loan or business cash advance or a merchant cash advance as sales transactions are made.

If you have a project you would like to discuss please contact us