Business Loans for Hotels, B&B's and Guest Houses
Get £3k to £300k in 24 hours*
- Pay back through future card sales
- Unsecured – there’s no worry
- Same day business funding
Quick Decision with No Obligation
Get £3k to £300k in 24 hours*
Quick Decision with No Obligation
If you're a hotel or small independent B&B owner looking for a straightforward business loan that is fast, flexible and works with seasonality fluctuations, look no further! Whether you need the money for refurbishing rooms or just need it for cash flow purposes, we have the hotel finance solution for you.
Unlock funding from £3,000 up to £300,000 against your customer card sales.
Automatically repay a small percentage when customers purchase by card – There are no fixed payments.
The advance is unsecured, so your business assets are safe.
A quick decision and process mean you can access your money in just 24 hours* after approval.
The cost of finance is made clear to you upfront. There are no hidden costs, confusing APR’s or other nasty charges.
Apply at any time - We can process your application 24 hours a day.
Quick Decision with No Obligation
Access to reliable hotel business finance is essential in today’s fast-moving hospitality industry. Running a hotel, guesthouse, or B&B means managing constant challenges, from seasonal demand to rising costs and changing guest expectations. With the right funding in place, your business can stay competitive and continue to thrive.
The UK hospitality sector is evolving, with more people choosing to holiday closer to home. Research shows that 77% of UK residents took a staycation in 2024, creating new opportunities for hotels and bed and breakfasts to grow. To meet this increased demand, many hotel owners are turning to flexible hotel funding options to invest in upgrades, staff, and guest experience improvements.
If you’ve found it difficult to secure traditional finance from a bank, a merchant cash advance could be the ideal alternative. Unlike a standard business loan, it offers flexibility that works in line with your revenue. You simply repay a small percentage of your card sales, so repayments automatically adjust with your cash flow. This gives you the breathing space during quieter periods.
You can access up to £300,000 in hotel funding to use however you wish, from refurbishments and marketing to covering seasonal dips in income. There are no fixed repayment terms or hidden fees, and approval is typically much faster than with conventional lending.
Applying is simple and fast. Complete our short online form to receive a personalised quote with no obligation. Whether you run a small boutique hotel or a larger hospitality group, we can help you secure the flexible hotel finance you need to grow with confidence.
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A hotel business loan is a finance solution designed for hotels, bed and breakfasts (B&B's), guest houses, hostels and other types of accommodation businesses in the hospitality sector. Hotel finance can be used for many purposes, from renovations to helping with short term cashflow issues.
A hotel business loan in the form of a merchant cash advance is an unsecured type of funding where repayments are taken automatically from your card sales. You borrow an amount typically equal to around one month of your card turnover, and a small fixed percentage is deducted from each card transaction until the advance is fully repaid.
For example, when a customer pays for a booking on your card machine, a small percentage of that sale goes directly towards repaying the loan.
There are no fixed monthly payments, no upfront costs, and no hidden fees. If your hotel processes more than £3,000 per month in card sales, you can usually qualify. The application is quick and can be completed online in minutes.
With a merchant cash advance, your hotel or B&B can receive funding in as little as 24 hours*. The application is quick and straightforward, approval can be given the same day, and funds are transferred directly to your account. This means you can cover urgent expenses, invest in improvements, or manage cash flow without waiting weeks for traditional bank loans.
A merchant cash advance is a fast, flexible alternative to traditional hotel business loans. Repayments are taken as a small percentage of your card sales, meaning they naturally adjust with your revenue, and you only pay when you earn. The percentage is agreed upfront and suits your business, and because the funding is unsecured, none of your assets are at risk.
Unlike traditional loans, which often involve fixed monthly repayments, strict credit checks, and lengthy approval times, a merchant cash advance can be approved quickly, giving you fast access to the funds you need to boost cash flow, invest in upgrades, or manage seasonal demand.
Yes. A merchant cash advance can work with all types of credit histories, even if you’ve had a few blips in the past. Unlike traditional lenders, your credit score isn’t the main factor as repayments are based on your card sales. Apply today for a quick decision and see if you’re eligible.
We can help UK accommodation businesses that accept card payments, process over £3,000 per month in sales, and have been trading for more than three months. Eligible businesses include:
Unfortunately, we won't be able to help businesses that are not trading yet or have been trading for less than three months.
A hotel business loan, such as a merchant cash advance, can be used for a wide range of purposes to improve and grow your business. You can use the funds to refurbish rooms, update interiors, or develop facilities like restaurants, kitchens, spas, gyms, and wedding venues.
Funding can also cover exterior improvements, landscaping, marketing, and website development, helping you attract more guests and boost bookings. Additionally, you can invest in new staff, upgrade booking systems, and purchase equipment to enhance your guest experience and create new revenue streams.
No. Unlike some financial solutions, a merchant cash advance does not require a business plan. This makes the application faster and simpler, helping you access hotel funding quickly without lengthy paperwork.
Absolutely! If you have your accommodation listed on Airbnb, you can access an advance from £3,000 up to £300,000 on these customer bookings.
To find out how much finance you could secure for your business, complete our quick and easy application form. After we’ve got a few basic details from you, we can provide you with a no-obligation quote.
Quick Decision with No Obligation
"We have helped many small and independent B&Bs, guest houses and hotels across the UK receive funding to grow"
£20+ Million
Total Funded to Businesses
90%
Application Approval Rate
The process is fast, simple and straightforward. It's hassle-free, meaning there's no complicated paperwork to complete so you can focus on growing your business.
Apply online for a cash advance from £3,000 up to £300,000 for any business purpose.
The merchant cash advance can be with you in as little as 24 hours* after approval.
You simply pay back a small percentage of your future card sales as they happen. You only repay when you sell.
Quick Decision with No Obligation
