FINANCE OPTIONS

^£800k Restaurant Business Loan – Apply and Get Approved

Q: What borrowing range is typical for a £800k restaurant term loan?

For term loan structures, typical borrowing ranges are about £25,000 up to £2,000,000+. Your actual amount depends on trading history, affordability, leverage and existing commitments, and for secured deals, the collateral value and chargeability. Lenders also consider how well repayments align to your seasonal cash flow.

Q: How long does a decision usually take?

Initial decision times commonly range from 1 to 4 weeks for unsecured or simpler cases. Where security and full legal work are involved, timelines are often 1 to 6 weeks. Speed also depends on how quickly documents are provided and, for refinancing, how straightforward the settlement details are.

Q: What interest rate range should restaurants expect?

Across common UK restaurant term loan structures, pricing is often around 6% to 18% per annum. The outcome depends on whether the facility is secured or unsecured, term length, the borrower’s credit profile, and the strength of cash flow evidence. Fees such as arrangement and legal costs may also apply depending on the deal.

Q: What are the main types of term loans for restaurants?

Common routes include secured term loans (using property or equipment security), unsecured term loans (cash-flow based, often with no property security or limited security), and working-capital term loans that include overdraft refinancing. Eligibility and underwriting focus differ, especially around affordability evidence and whether security or personal guarantees are required.

A £800k restaurant business loan is typically a business term loan, where a fixed amount is paid to the restaurant upfront and repaid over an agreed period through regular monthly payments. Restaurants often use this type of finance when they need a clear funding plan for refurbishment, equipment purchases, or working capital, or when they want to refinance existing liabilities to reduce monthly pressure. For a requirement at this level, lenders will focus on affordability, creditworthiness, and any security requirements, based on your trading evidence and the practical use of funds.

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^Benefits for a restaurant term loan

A business term loan can be a practical fit for restaurants that need a defined amount of funding with a structured repayment plan. For an £800k requirement, the decision path is typically shaped by your cash flow evidence and whether security is involved, with common timelines ranging from 1 to 6 weeks for a full decision. Pricing context also depends on risk and security strength.

Predictable monthly payments

Support major restaurant investment

Refinance short-term pressure

SCALE YOUR BUSINESS TO NEW HEIGHTS

Term loan types for £800k

Secured term loan (property/equipment)

A secured term loan uses collateral to support borrowing. For restaurants, this often means legal charges over commercial property or a first-ranking charge over business assets such as equipment and fixtures, depending on the deal.

Secured term loan (property/equipment)

Secured term loans are commonly used by established restaurants with demonstrable trading history, often at least 2 years, and a credit profile that meets lender criteria. Lenders underwrite using last filed accounts, management information, and cash flow evidence, then assess affordability based on your repayment capacity. For a £800k requirement, typical secured amounts can reach into £2m+ where accounts and security fit the lender’s risk and chargeability approach. Terms are often 24 to 84 months.

Unsecured term loan (cash-flow based)

An unsecured term loan relies more on cash generation than on property security. Lenders typically assess bank statements and accounts to confirm you can sustain repayments through trading variability.

Unsecured term loan (cash-flow based)

Unsecured term loans suit trading businesses that can demonstrate sufficient cash generation without relying on major collateral. They are often considered where lenders see stable income over time, commonly with 12–24 months trading history. Personal guarantees may be requested for directors or owners, particularly for larger unsecured requests. Typical borrowing can range from about £25k up to £800k in the market when the financials and repayment case are strong. Terms are often 12 to 60 months, with unsecured pricing commonly higher than secured options.

Working-capital term loan (incl. overdraft refinance)

This is designed to convert short-term pressure into fixed repayments. It can include overdraft refinance and help align working-capital funding with seasonal trading patterns.

Working-capital term loan (incl. overdraft refinance)

Working-capital term loans are frequently used by restaurants that want to reduce reliance on overdrafts or revolving credit used to pay suppliers. Lenders review historic repayment behaviour, current leverage, and forecast headroom to confirm affordability, and the refinancing size may still involve security depending on the structure. Typical amounts can sit around £100k to £1.5m, including refinancings where the current commitments and affordability stack up around £500k–£800k. Terms are often 24 to 72 months, aiming to match when the refinancing benefits feed through.

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How to get an £800k restaurant term loan

Share your restaurant financials

Provide basic business details and the key evidence lenders use, including last filed accounts (and management accounts if available) and recent bank statements. If you are refinancing, include details of current facilities or credit commitments.

Match the right loan structure

Explain what the £800k will be used for, such as refurbishment, equipment, working capital, or refinancing. Funding Agent can help align your case to the most relevant route, such as secured, unsecured, or a refinancing-focused working-capital term loan.

Lender review and funds drawdown

We support your submission and help clarify follow-up questions. Once a lender makes a decision and any conditions are satisfied, funds are released under the agreed loan terms, after any required security or refinancing steps are completed.