Business Loans for Pubs & Bars
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 pub owner or landlord looking to expand, open new premises, refurbish your current location, or invest in bar supplies and equipment, maintaining healthy cash flow is essential. A merchant cash advance, designed specifically for the drinks and hospitality industry, provides your pub with the fast and flexible business loan it needs to grow.
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 the 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
The UK hospitality industry is changing rapidly, and pub, bar, and club owners face many challenges. Yet the sector remains resilient, with the UK pub and bar market projected to reach £24.1 billion in 2025, a 1.9% increase, highlighting the enduring appeal of pubs despite economic pressures.
Rising costs and operational expenses continue to challenge the sector, making it more important than ever for pub owners to manage cash flow effectively and ensure their business can adapt and grow.
Access to fast, flexible funding can make all the difference. Whether you’re investing in refurbishments, purchasing new stock, or boosting marketing efforts, having the right financial resources allows you to respond quickly to opportunities.
A merchant cash advance offers a solution tailored to the hospitality sector. Unlike traditional business loans, repayments are linked to your future credit and debit card sales, aligning with your cash flow. This means repayments adjust based on your sales volume, providing flexibility during fluctuating business periods.
We've assisted numerous establishments, from village pubs and gastropubs to larger chains, in securing the funding they need. This type of business cash advance has become a trusted solution for many in the sector.
For a quote, complete our simple online application form today for a quick decision with no obligation.
APPLY NOWQuick Decision with No Obligation
A pub business loan is a type of finance designed for pubs, bars, and clubs, including nightclubs, within the hospitality sector. Whether you run a traditional country inn or a city-centre wine bar, this funding can be used for any business purpose, including managing cash flow, covering stock and supplies, investing in refurbishments, or supporting other business needs.
A merchant cash advance is a flexible form of alternative business finance designed to suit the cash flow of pubs and hospitality businesses. Unlike a traditional business loan with fixed monthly repayments, repayments are made automatically as a small percentage of your daily card sales.
Here’s how it works: if a customer spends £100 at your pub and your agreed repayment rate is 10%, £10 goes toward repaying your advance, and you keep the remaining £90. This percentage is set when you take out the funding and can vary depending on your agreement with the lender.
You’ll continue to repay through a small share of your card takings until the advance is fully repaid. That means you pay more when trade is busy and less when sales are quiet . This helps you manage cash flow more easily than with a traditional fixed-repayment loan.
The amount your pub can borrow usually depends on your average monthly card sales, with advances typically ranging from 1 to 1.5 times your monthly card turnover. For example, if your pub takes £20,000 per month and £8,000 of that is from card transactions, you could be eligible for an advance of around £8,000–£12,000.
The exact amount may vary depending on factors such as your trading history and card sales consistency. Why not apply now to get a personalised quote and see exactly how much your pub could borrow?
No. Unlike some traditional finance options, a merchant cash advance does not require a business plan. This means the application process is quicker and simpler, giving busy pub landlords fast access to funding without unnecessary paperwork.
Yes. Even with a poor credit history, you can still access funding for your pub. A merchant cash advance looks at your future card sales and cash flow rather than relying solely on credit scores, making it accessible for businesses that banks may turn away.
Pub finance can be used for a wide range of business needs, including refurbishments and decorating, bar and kitchen equipment upgrades, cellar improvements, developing outdoor spaces or beer gardens, marketing and online promotion, and covering staff, stock, or unexpected costs. Essentially, it provides flexible funding to modernise, expand, and keep your pub competitive.
Applying for a pub, bar, or club loan is quick and simple. Complete our easy online application form, providing a few basic details about your business. We’ll then match you with suitable lenders who can provide a no-obligation quote. Apply today and get a fast decision.
Quick Decision with No Obligation
"We have helped many pub owners 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
