Specialist Funding - Hotel and Restaurant

Our specialist Commercial Finance Brokers have extensive experience in arranging loans, mortgages, bridging loans in respect of all manner of guest house, hotel and restaurant.

Hotels are unique businesses and they vary significantly from the small guest house to the large national chains. 

Hotel funding is a specialist area of funding arranged by Sterling Capital Reserve Ltd, a well established and well respected Commercial Finance Brokerage. Our specialist Commercial Finance Brokers have extensive experience in arranging loans, mortgages, bridging loans in respect of all manner of guest houses and hotels. We not only fund the Hotel building, but we can also arrange finance for the contents. From the Kitchen equipment, to EPOS, and even furniture. We have access to a wide choice of lenders and are able to secure the best deal for you.

Hotel Finance with competitive interest rates can be arranged for new purchases or refinances.

Restaurant Funding

A restaurant is a specialist business and restaurants vary significantly from the small bistros to the large national franchised chains.

We have extensive experience in arranging loans, mortgages, bridging loans in respect of all manner of restaurants, cafes, bistros and take aways. We can arrange finance for new purchases or refinances. and have access to a wide choice of lenders and are able to secure the best deal for you.

Restaurants can obtain Commercial Mortgages, secured on the freehold premises, for a number of different reasons:

  • Consolidation of existing loans
  • Buying out a retiring shareholder / partner
  • Sitting tenant wanting to acquire freehold
  • New purchase / auction purchase
  • Premises refurbishment or extension
  • Releasing increased equity in the premises for cash flow
  • Use additional funding as a contribution to acquire another restaurant

Restaurant Finance (with competitive rates) of up to 70% of the value of the property, 100% with additional security can be obtained.

  • Flexible repayment terms up to 25 year funding
  • Very easy application – just click the enquiry form and leave the rest to us
  • No up front fee, as we only get paid from the lender once the deal is completed.

We not only find you funding for the Restaurant building, but we can also arrange finance for the contents, from the Kitchen equipment; ovens, fridges, washers, furniture to New or Upgrading EPOS systems, we will source the right deal to match your circumstances.

Merchant Finance for Hotels and Restaurants

Merchant Finance is a form of unsecured finance supplied specifically to businesses such as restaurants where a large proportion of revenue comes from customers paying on credit cards.

How Merchant Finance Can Help

  • Your lender provides you with an unsecured loan which is repaid to them out of future credit and/or debit card receipts.
  • An agreed percentage (typically 20%) of your future credit card and debit card sales are deducted from your daily Visa/MasterCard receipts until the lender is paid back in full.
  • The collection process is totally automated through the card processor, you do not need to write cheques or send money.
  • All transactions are handled by your card processor so they will have the same degree of safety accuracy and security that you're accustomed to receiving.

This is actually a discounting facility, where you are simply selling future income, today at a pre agreed rate. The lender is not a bank, there is no interest, no bank managers and no hidden fees.
The payback period is not fixed because it's based on your actual Visa/MasterCard receipts. More will be paid back when takings are high, less when takings are low.

You can use the money for anything:
Refurbishment, Advertising, Debt Arrears, Reduce Excess Overdraft, New Acquisition.

There are criteria you have to meet to qualify for this form of finance.