Your Hotel Financing
For Hospitality Businesses
Apt Pay arranges hospitality finance for hotels and restaurants across the UK.
Financial support to buy, refinance or expand a hotel, or to build your restaurant, café or takeaway business with fit-outs, equipment, additional staff, or to improve your cash flow through off seasons.
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Business Loans to Help You Finance Hotels
Flexible Loan Amounts
Nationwide Support
Speedy Approval Process
Clear and Transparent Terms
Expert Advice
Our Hotel Financing Solutions
Securing the capital required for a hotel purchase or refurbishment can be a challenge. But, with us, we specialise in providing flexible hotel financing solutions. Whether you’re buying an existing hotel or starting a new project, our bridging loans help you achieve your goals.
Hotel Bridging Loans
A bridging loan is a short-term loan that covers the gap until you sell, refinance or move to longer-term finance. They often fill a gap between purchase and receiving the mortgage.
Many hotel lenders start at £1 million or more. Apt Pay lends from £300,000, giving smaller and mid-size hotel deals have a place to start. Terms extend up to 24 months.
Our bridging loans allow you to move forward with your hotel plans, with loan-to-value ratios, clear repayment terms, and competitive fees.
Key Features:
- Loan Amount: £300,000 to £50 million
- Term: Up to 24 months
- LTV Options: Up to 70% LTV
- Flexible Repayments: Structured according to your needs
- Transparent Fees: Starting at 2% arrangement fee
Other costs usually include a property valuation and legal fees. We set out every cost in writing before you commit.
Our Hospitality Finance Products
Commercial mortgages
Business loans
Funding for everyday costs, fit-outs and equipment.
Working capital loans
VAT loans
Unsecured business loans
Construction loans
Hotel Financing is Essential for Your Venture
Hotel Acquisition
Refurbishments and Renovations
Renovating a property to increase its value, improve guest experience, or meet new standards.
Development and Construction
Refinancing an Existing Hotel
Hotel Mortgages
If you plan to hold a hotel for the long term, a commercial mortgage can suit better than a bridging loan.
Buying a Hotel at Auction
Our hotel finance has supported boutique hotels, B&Bs and guest houses, pubs with rooms, serviced apartments, and franchised or managed hotels.
Restaurant Loans
Restaurants, cafés and takeaways face steady costs and fluctuating income. Restaurant finance can cover gaps, or pay for investments that help your business grow.
How restaurants use finance
- Refurbishment and fit-out
- Kitchen equipment (ovens, fridges and tills)
- A deposit or fit-out for a new site
- Staff and training
- Marketing
- Supplier payments and stock
- Quiet months and seasonal staff
- VAT and tax bills
- Buying the premises
Equipment and fit-out
Kitchen equipment and fit-out costs add up fast. Equipment covers ovens, fridges, tills and seating. Fit-out covers cooking stations, bars, extraction, signage and flooring.
Tell us what you need to buy and we will explain the options for each part.
Buying an existing restaurant or a franchise
You can use a loan to buy a restaurant that already trades, or to pay franchise fees and set-up costs.
Tell us the price and your plans, and we will look at the options.
Stock, seasonal cash flow and tax bills
If you’re still unsure which type of loan you need, contact AptPay for advice by calling 020 3103 0022.
How Our Hospitality Financing Works
1. Request a Quote
2. Compare Your Options
3. Submit Your Application
4. Get Funded
Once approved, we transfer the funds to your bank account, typically within a few business days.
How a bridging loan gets repaid
You repay a bridging loan when the short-term need ends, by selling the property, refinancing onto a commercial mortgage, or paying from other funds. You’ll agree your repayment plan before you borrow.
Am I Eligible?
Hotels
We can support your hotel venture if you meet the following criteria:
- At least one property to secure the loan
- A clear and feasible repayment plan
- Experience in hotel management or development is a plus
- Personal guarantee required
- For commercial properties, pre-letting or pre-sales agreements may be necessary
Lenders also look at the hotel’s location, occupancy, revenue and cash flow, and at your plans for any build or refit.
Lenders usually ask for 2 -3 years of accounts, 3 – 6 months of business bank statements, ID and proof of address, and a business plan.
For a refit or build, they also ask for plans and costs.
Restaurants
- Most business loans need a trading history and recent business bank statements. We will tell you what applies to your case.
- Tell us what the money is for. A clear use of funds helps.
- Poor credit does not always rule out funding.
- Some unsecured loans need a personal guarantee. We will tell you before you apply.
Benefit From Our Experience
Flexible Loan Terms:
We offer loan terms that are flexible to suit the needs of hotel and restaurant owners and operators.
Whether you’re purchasing a property or handling renovations, our loan terms are designed to be adaptable so you can focus on what matters most: your business.
Personalised Support from Experts:
We believe in building strong relationships with our clients.
Our expert team works closely with you to understand your needs and provide tailored financing solutions. With years of experience in the hospitality industry, we guide you through every step of the process.
Our Impact
We have partnered with leading companies in the UK hospitality sector, providing tailored financial solutions to help hotels grow and thrive. In the past year alone, we’ve supported over 100 hotel acquisitions and refurbishments, helping businesses scale successfully across the UK.
Case Study: Avatar Group Ltd
Funding arranged: £300K.
“We run Avatar Group Ltd, managing restaurants and hotels in Shrewsbury, and like any business, there have been moments where the right support really mattered.”
“Mohammad came through for us at exactly the right time.”
“It made a real difference to us and the business.”
Apply for Your Hospitality Loan Today
Request a Quote
Review Options
Submit Application
Receive Funds
Why Choose Us
Our experts are here to help you navigate the complexities of hotel financing.
Whether you’re an established operator or new to the industry, we are dedicated to offering tailored solutions that work for your business.
Competitive Rates
Experienced Team
Our team has decades of experience in hospitality and property finance.
Independent Broker
Apply Now
Ready to get started? Speak to one of our experts today and get the financing you need for your hospitality project.
Stay updated with the latest news and trends in the hotel finance and general finance sector. We also offer a range of resources and reports to help guide you through your financing journey.
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Frequently Asked Questions
Restaurants
What can I use a restaurant loan for?
Common uses include refurbishment and fit-out, kitchen equipment, staff, marketing, stock, supplier payments, VAT bills, and a deposit or fit-out for a new site.
Can I get an unsecured restaurant loan?
Some business loans need no property as security. Whether you qualify depends on your trading history, turnover and credit profile.
See our unsecured business loans page.
Are there loans for opening a new restaurant?
Yes. Lenders look closely at your plan and your experience.
See our new business loans page.
What if my credit is not perfect?
Imperfect credit does not always rule out funding. Lenders also look at trading performance and affordability.
See our bad credit business loans page.
Can I finance kitchen equipment and a fit-out?
Often, yes. Tell us what you need to buy and we will explain the options.
Can I buy an existing restaurant or a franchise with a loan?
Lenders can fund both. They will look at the business’s accounts and your plan.
Hotels
How much can I borrow to buy a hotel?
Hotel bridging loans start at £300,000 and go up to £50 million. The amount depends on the property, your plans and your repayment plan.
How long can I borrow for?
Terms run up to 24 months.
How is a bridging loan repaid?
You repay when the short-term need ends, usually by selling the property, refinancing onto a commercial mortgage, or using other funds. The lender will ask for your plan up front.
Can I fund a hotel refurbishment?
Yes. A bridging loan can cover a refurbishment or renovation. For a larger project, we can look at construction loans.
Do I need hotel experience?
Experience in hotel management or development is a plus. Tell us about your background and your plans.
Can I buy a hotel I will run as a franchise or under a management agreement?
The way you run the hotel affects what lenders will offer. Tell us how you operate and we will explain your options.
What should I check before I sign?
Compare the total cost, the interest rate and whether it is fixed or variable, the term, any early settlement fee, how long approval and funding take, and what you may use the money for.