Business Loans for Pubs, Bars & Clubs

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

Merchant Loan Advance Reviews Trust Logo
Supporting British Businesses

Fast and flexible pub business finance

If you're looking to expand your pub, open new premises, refurbish your current location or purchase new bar supplies and equipment - you need healthy cash flow. A merchant cash advance is a business loan designed for the drinks industry that can help your business access the cash it needs to grow.

It's a fast, flexible and straightforward funding solution that works in line with your customer credit and debit card sales.

Works with your existing PDQ card machine

Works with your card sales

Unlock funding from £3,000 up to £300,000 against your customer card sales.

Flexible repayments - repay when you sell

Flexible repayments

Automatically repay a small percentage when customers purchase by card – There are no fixed payments.

Unsecured finance - No asset security required

No asset security required

The advance is unsecured, so your business assets are safe.

Keep 100% of cash transactions

Fast funding

A quick decision and process mean you can access your money in just 24 hours* after approval.

No hidden costs

No hidden costs

The cost of the finance is made clear to you upfront. There are no hidden costs, confusing APR’s or other nasty charges.

Apply online 24 hours a day 7 days a week

Apply online 24/7

Apply at any time - We can process your application 24 hours a day.


 Quick Decision with No Obligation

Merchant Loan Advance Customer Reviews - ExcellentMerchant Loan Advance Customer Reviews - ExcellentMerchant Loan Advance Customer Reviews - Excellent

Funding for pubs, bars and clubs

In recent times the hospitality industry has been through significantly testing times. Being a pub landlord, bar or club owner, we know the challenges that you’ve faced haven’t gone unnoticed in your community. After all, pubs, bars, clubs and nightclubs are hugely important businesses to the prosperity and social welfare of villages and towns across the UK. According to the Office of National Statistics (ONS), the number of pubs and bars in the UK has still increased (by. 0.4%). 

By adapting to these changes and facing challenges head-on, your pub can thrive. To do this, you need to be able to invest and incorporate new ideas freely - and for that, you need cash. You may also need funds to trade efficiently and need it for general day-to-day cashflow, buying stock or implementing changes to how your premises are laid out. Whatever the reason, our merchant cash advance funding is here to help you.

We have helped many businesses in the pub and restaurant sector access funding through our business cash advances. From village pubs, micropubs, gastropubs, brewery owned venues, pub-restaurants, traditional bars, larger pub chains and other independents - it has become a ‘go-to’ product for so many businesses in the hospitality sector.

Unlike traditional pub business loans, a merchant cash advance is linked to your future credit and debit card sales. It has no APR, it’s unsecured, and all your cash payments are not taken into account.

This funding option is now extremely popular, and in many cases, people use this type of lending more than once. In fact, once you start using them, it’s easy to top-up and apply for more cash when the need arises. The process is fast with a quick turnaround time - from application to delivered funds in just a couple of days.

For a quote, fill out our simple online application form.


 Quick Decision with No Obligation

Business Loans for Pubs, Bars & Clubs - Female bartender serving cocktail in elegant bar

Business loans for a pub - use for any purpose, such as:

  • New equipment for your bar, cellar or kitchen
  • Funding takeaway/home delivery services such as vehicles, staff and online ordering apps
  • Invest in pub hygiene and cleaning equipment
  • Refurbishments, renovations and extensions
  • Creating outdoor areas including beer gardens and smoking areas
  • Purchase stock including drinks, glassware and kitchenware
  • Use your loan for an emergency fund - repairs and more
  • Build a new website to feature the latest offers
  • Perspex bar fit-outs, plastic partitions and other health and safety factors
  • Bolster cash flow, ensure wages and bills are paid on time
  • Hire new staff including bartenders, caterers, or security staff

A pub business loan is a form of finance that is aimed towards pubs, clubs (including nightclubs) and bars in the hospitality sector. These business loans can be used by traditional country inns to city centre wine bars to help with cash flow or to stock up on drink, fresh food and other supplies.

Merchant Cash Advance funding is classed as alternative finance and differs from a traditional business loan that you may be familiar with from a high street bank.

Instead of fixed monthly repayments, you only repay as and when you make a sale on any future card transactions. The amount you pay back on each sale will be structured so that it is a comfortable amount for your business. As an example, your pub serves food, and a table is charged £100 for meals and drinks. 10% of the transaction is repaid at the point of sale to the lender, and you keep the remaining £90. This repayment percentage could be higher or lower depending on what you agree when talking to the lender.

You repay this percentage of card sales each day until the business loan is repaid in full. You’ll be paying little and often, and when sales are low, then so too are your repayments - unlike a traditional loan where repayments are fixed regardless of your business performance.

Depending on how much your pub, bar or club turns over on card sales per month will usually determine how much will be advanced by the lender. For example, if your pub takes £20,000 per month in total sales and £8,000 of that is from card sales, then you could be eligible for an advance of £8,000.  Sometimes this amount can be more or less depending on certain factors, which is why we offer a quote that will give you all the facts you need, including the total repayment value of the borrowing.

It’s not just pub loans - we can help clubs, bars, gin & wine bars. In fact, any business in and around the hospitality industry that accepts card payments from customers. If your business doesn’t quite slot into this sector, check out our full sector page.

Whether you’re brand new or established, brewery-owned or freehold, we can help your business gain quick access to hassle-free finance. It doesn’t matter what kind of pub, bar or club you’re operating - from lavish cocktail bars to family-friendly public houses; we can help you secure your business’ future.

Some financial solutions require you to submit a business plan, which can mean the loan process is long and drawn out. With a merchant cash advance, that’s not the case - you’ll be no doubt happy to hear! We do not require a business plan from you to enable us to make a decision. This saves you time and offers a speedy lending process - important for landlords who are busy enough!

Even if you have a poor business credit rating, we can help fund your pub. You and your business are still eligible for financial support even with poor credit history. 

The list is pretty extensive - whether you need to pay for refurbishments to bring your pub into the 21st Century, or you fancy expanding to a new location. Maybe it's an emergency pot for repairs, or just having access to capital to invest in new stock, new staff and generally remain competitive.

Refurbishment, Development and Decorating

In recent times we have all become familiar with changes in the way we socialise. Pubs are clearly the heart of the community, and venues have adapted to the changes. We know you need to update, develop and refurbish to meet social changes and offer your customers the best experience possible. Funding can be used to renovate your pub, from extensions, interior works, safety glass and perspex/plastic shielding, decorating and exterior jobs such as developing an outdoor pub garden space.

Fitting out the bar area

Cover the cost of purchasing bar equipment such as energy-efficient bar coolers, fast pour tap systems, glass washing systems, coffee serveries, bottle coolers and bar refrigerators. It can even be used for helping to re-develop your entire bar solution and updating new safety measures for social distancing.

Purchasing catering/kitchen equipment

Not only can you use the funding to modernise your pub kitchen area, but you can also purchase kitchen equipment. This could be Cooker ranges, Grill or griddles, Microwaves, Dishwashers, Commercial Fryers, Refrigeration systems such as Freezers and pub fridges. The costs can add up quickly, and when an appliance goes down, it can really hit your sales hard. By investing in quality kitchen equipment for your pub, you can maintain a high level of customer service.

Update a pub cellar

To deliver a perfect pint in quick time, every time, you need your pub cellar to be fitted-out to its full potential. The funding can help you invest in cask beer equipment, beer engines, keg dispenser systems and other pub cellar equipment. From craft beer, real ales or classic lagers and ciders, your customers will appreciate the care you put into your cellar setup.

Developing a beer garden and outside space

Now has never been a more important time to maximize your outdoor pub garden space. If you don’t have an actual garden, there may be opportunities to develop a terrace or decking area with the help of a local architect. The opportunities to transform a beer garden into a commercial eatery space will help drive sales at your venue.

Marketing your gastropub

Your pub will undoubtedly compete with other local restaurants. And why not? There’s a market for pub grub and gastropub cuisine. The way to leverage sales at your venue is to market to your audience - especially online. Having a well-designed website and constant content delivered through social media, your business will reap the rewards. You can use the cash advance funding to raise your profile online and even create a booking system to help with managing the administration.

To find out how much finance you could secure for your pub, club or bar business, complete our quick and easy application form. After we’ve got a few basic details from you, we’ll do our best to match you to a suitable lender who will provide a no-obligation quote. You can review it and ask for any further information from their friendly team direct. Apply now and get a quick decision.


 Quick Decision with No Obligation

Funding Britains Small Businessses

"We have helped many pub owners across the UK receive funding to grow"

£20+ Million
Total Funded to Businesses

Application Approval Rate

Merchant Loan Advance Reviews Trust Logo

It's as easy as 1-2-3!

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.

Step 1 - Apply online in minutes


Apply online in minutes

Apply online for a cash advance from £3,000 up to £300,000 for any business purpose.

Step 2 - Get funded in 24 hours


Get funded in 24 hours*

The merchant cash advance can be with you in as little as 24 hours* after approval.

Step 3 - Pay back only when you sell to your customers


Repay only when you sell

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

Accessibility Settings