Business Loans for Pubs, Bars & Clubs

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.