^£400k Restaurant Business Loan – Apply for Fast Approval

For a £400k Restaurant Business Loan, a secured term loan commonly suits UK-registered limited companies or established sole traders and partnerships with trading history, often 1 to 2+ years. Lenders typically review restaurant income consistency, credit profile, and affordability for the repayment schedule. Terms are often 36 to 84 months, which can align repayments with a longer project horizon when security and cash-flow strength are well evidenced.

Unsecured options are often assessed using bank statements, turnover evidence, and financial statements to show affordability. Typical amounts can range from about £50k to £350k, with some lenders able to approach £400k when trading strength is clear, though secured deals are often the more common route at higher tickets. Repayment periods are frequently 24 to 60 months, with pricing often higher than secured borrowing and initial outcomes sometimes around 1 to 3 weeks.

An asset-based (equipment-backed) term loan can be a practical fit when your £400k Restaurant Business Loan links to tangible upgrades such as kitchen equipment, refrigeration, or fit-out items. Eligibility usually requires clear documentation of the assets, including supplier quotes or invoices, and evidence for valuation assumptions. Lending terms are often 36 to 72 months, and decision timing can be around 2 to 4 weeks, depending on whether valuation and legal set-up are straightforward.