Best Asset Finance Lenders for the Hospitality Industry
For UK franchise buyers and operators, this guide compares loan periods and amounts, APRs, and terms across leading providers, with a focus on eligibility and fit. Amounts that could not be verified are left blank, prices accurate as of 2026-03-13.
Funding Agent focuses on providing a fast, straightforward platform to compare business finance options for UK SMEs. It is suitable for franchise buyers and small businesses seeking flexible lending choices without collateral. Their service aims to deliver quick eligibility checks and multiple lender access in one place.
Loan Details
- Min Amount: £10,000
- Max Amount: £1,000,000
- Min APR: 4%
- Max APR: 20%
- Loan Duration: 3–60 months ⌛
Services & Industries
- Finance Types: Unsecured business loans, MCA Loans, Working capital
- Industries: UK SME's
Pros
- fastest and easiest application process
- No collateral required
Cons
- lower track record, only trading 1 year
OakNorth Bank provides tailored business loans focused on mid-market enterprises, including hospitality businesses needing substantial financing. It suits borrowers who require sizeable amounts and value bespoke terms. The bank offers options that combine flexibility with detailed risk assessment and lending security.
Loan Details
- Min Amount: £1,000,000
- Max Amount: £25,000,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: 12-72 months ⌛
Services & Industries
- Finance Types: Business Loans
- Industries: Hospitality
Pros
- High loan amounts
- Sector expertise
Portman Finance Group focuses on flexible asset and commercial finance solutions for hospitality businesses in the UK. It is suited to clients requiring tailored products with assorted repayment options and some collateral flexibility. Their offerings aim to support industry-specific investment and growth needs with moderate processing times.
Loan Details
- Min Amount: £10,000
- Max Amount: £2,000,000
- Min APR: 6.9%
- Max APR: 13.2%
- Loan Duration: 3-72 months ⌛
Services & Industries
- Finance Types: Asset Finance, Commercial Loans
- Industries: Hospitality
Pros
- Quick approval
- Wide range of financial products
Cons
- Higher APR for unsecured loans
Admiral Leasing & Loans specialises in asset finance and equipment leasing tailored for hospitality sector needs. It tends to suit organisations seeking customised financing with potentially flexible security arrangements. Though specific APR and loan limits are not always disclosed, they offer industry-focused solutions aiming to support operational growth.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Unknown ⌛
Services & Industries
- Finance Types: Asset Finance, Equipment Leasing
- Industries: Hospitality
Pros
- Tailored solutions
- Strong industry partnerships
BlueSky Finance provides asset finance and business loan options tailored for growth in the hospitality industry. It works well for businesses seeking flexible loan structures with varied terms and faster approvals. The lender focuses on accessible funding with an emphasis on client convenience.
Loan Details
- Min Amount: £10,000
- Max Amount: £500,000
- Min APR: 9.9%
- Max APR: 39.9%
- Loan Duration: 3-60 months ⌛
Services & Industries
- Finance Types: Business Loans, Asset Finance
- Industries: Hospitality
Pros
- Flexible loan terms
- Quick approvals
Reality Finance delivers bespoke asset finance solutions with a focus on flexibility and strong customer service. This provider fits hospitality businesses wanting tailored finance options and fast decisions, often with clear terms but limited product range. Collateral requirements and repayment options vary according to customer needs.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 9.6%
- Max APR: 15%
- Loan Duration: 1-60 months ⌛
Services & Industries
- Finance Types: Asset Finance
- Industries: Hospitality
Pros
- Fast decision-making
- Customer-focused service
Cons
- Limited financial products
Millbrook Business Finance offers a variety of finance products to support asset acquisition and business growth in hospitality. It fits businesses that want personalised lending packages with flexible loan terms and a range of finance types. The provider is known for tailoring finance solutions to specific operational needs.
Loan Details
- Min Amount: £10,000
- Max Amount: £2,000,000
- Min APR: 5%
- Max APR: 18%
- Loan Duration: 12-60 months ⌛
Services & Industries
- Finance Types: Asset Finance, Business Loans
- Industries: Hospitality
Pros
- Diverse finance products
- Customized solutions
HH Business Finance provides swift and adaptable business loans and asset finance solutions for the UK hospitality sector. It is suitable for companies seeking nationwide coverage with some flexibility in financing terms. Although some details are undisclosed, they focus on practical lending tailored to sector requirements.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Unknown ⌛
Services & Industries
- Finance Types: Business Loans, Asset Finance
- Industries: Hospitality
Pros
- Nationwide service
- Flexible solutions
FOLK2FOLK delivers peer-to-peer lending services suitable for hospitality businesses needing secured finance. It works well for borrowers comfortable with community-backed lending and looking for specific loan terms. The platform offers transparency and straightforward funding options within lending criteria.
Loan Details
- Min Amount: £100,000
- Max Amount: £10,000,000
- Min APR: 7.5%
- Max APR: 9%
- Loan Duration: 6-60 months ⌛
Services & Industries
- Finance Types: Peer-to-Peer Lending
- Industries: Hospitality
Pros
- Secured loan options
- Community-focused
Capify offers short-term business funding solutions designed for small hospitality businesses. It suits those needing quick access to capital with flexible repayment structures, although loan terms tend to be brief. The provider focuses on ease of access and timely funding to help meet immediate financial goals.
Loan Details
- Min Amount: £5,000
- Max Amount: £1,000,000
- Min APR: 67.89%
- Max APR: 0%
- Loan Duration: 6-12 months ⌛
Services & Industries
- Finance Types: Short-term Business Loans
- Industries: Hospitality
Pros
- Fast funding
- Flexible terms
Cons
- Very high APR
- Short loan terms
How to choose
When selecting asset finance lenders for the hospitality industry, consider the size and duration of the loan needed alongside APR and repayment flexibility. Assess eligibility criteria carefully to ensure you qualify for the loan products on offer. Factor in how quickly funds are available, especially if time-sensitive decisions are needed. Security requirements such as collateral or personal guarantees can differ, so review these terms thoroughly. Always align finance options with your cash flow patterns and business plans to maintain sustainability. Consulting multiple providers or brokers can help identify the best fit for your hospitality business.
Conclusion
Select lenders based on your specific use case, distinguishing between banks, brokers, and specialist finance providers. Banks often suit larger loans and longer terms, while brokers offer access to multiple options that may suit diverse needs. Specialist lenders may provide tailored asset finance solutions for equipment or rapid funding. Funding Agent remains a practical choice for those seeking swift comparisons among multiple lending options. For hospitality finance, matching the right lender to your loan size and business goals is essential to effective funding management.