March 17, 2026
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Best Business Loan Lenders for Hotels and Accommodation

Discover the best business loan lenders tailored for hotels and accommodation providers. Get competitive rates and flexible options to grow your hospitality business.
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Best Business Loan Lenders for Hotels and Accommodation
Abdus-Samad Charles
Finance Writer

Head of Content at Funding Agent, with four years’ experience creating practical, easy-to-follow, SEO-informed guidance for UK small and medium-sized businesses.

Best Business Loan Lenders for Hotels and Accommodation

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 2026-03-16.

1. Funding Agent

Funding Agent focuses on providing quick and simple business finance comparisons for UK SMEs. It is typically suitable for franchise buyers and small businesses seeking unsecured loans with clear terms. Funding Agent offers fast application and eligibility matching with flexible repayment options and no collateral requirements.

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

Sources: Funding Agent

2. BlueSky Finance

BlueSky Finance specializes in business loans and asset finance, offering tailored solutions for various industries including hospitality. It suits franchise buyers and businesses seeking flexible unsecured or asset-backed lending. BlueSky Finance is noted for its adaptable loan terms and personalized service, helping clients find appropriate finance quickly.

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: Unsecured Loans, Asset Finance
  • Industries: Various sectors, Hospitality

Pros

  • Tailored solutions
  • Flexible terms

Cons

  • Higher APR possible

Sources: Source

3. OakNorth Bank

OakNorth Bank focuses on large-scale business loans primarily for property purchase, refinance, and significant expansions. It typically suits established businesses and franchise buyers requiring secured lending with competitive terms. OakNorth offers flexible loan durations and rapid decision-making, generally based on a strong credit profile and asset security.

Loan Details

  • Min Amount: £1,000,000
  • Max Amount: £25,000,000
  • Min APR: 5.5%
  • Max APR: 15.5%
  • Loan Duration: 12-120 months ⌛

Services & Industries

  • Finance Types: Secured Loans, Commercial Loans
  • Industries: Hospitality, Real Estate

Pros

  • High loan amounts
  • Rapid processing

Cons

  • Requires strong credit profile

Sources: Source

4. Capify

Capify offers unsecured SME loans with emphasis on quick approvals and flexible terms. It is appropriate for businesses and franchise operators requiring short to medium-term funding without collateral. Capify supports faster decision processes and adaptability in repayment options to suit varied business needs.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £1,000,000
  • Min APR: 12.9%
  • Max APR: 67.89%
  • Loan Duration: 6-18 months ⌛

Services & Industries

  • Finance Types: Unsecured Loans
  • Industries: Retail, Hospitality

Pros

  • Fast approvals
  • High flexibility

Cons

  • High APR

Sources: Source

5. Fleximize

Fleximize provides flexible business loan options with various term lengths and competitive pricing, suitable for franchises and SMEs in hospitality and tech sectors. It allows for unsecured loans and revolving credit with no early repayment penalties. Fleximize focuses on adaptable finance solutions aligned with cash flow and seasonal demands.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £500,000
  • Min APR: 10.8%
  • Max APR: 47.9%
  • Loan Duration: 3-48 months ⌛

Services & Industries

  • Finance Types: Unsecured Loans, Revolving Credit
  • Industries: Hospitality, Technology

Pros

  • No early repayment fees
  • Loyalty discounts

Cons

  • Variable APR

Sources: Source

6. Celtic Bank

Celtic Bank offers a range of unsecured business loans focused on supporting expansion and growth in SMEs. It is suitable for franchise buyers and small operators seeking simpler access to funding. Celtic Bank emphasises ease of application and caters to businesses requiring straightforward, unsecured funding solutions.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £300,000
  • Min APR: 42.6%
  • Max APR: 0%
  • Loan Duration: 6-36 months ⌛

Services & Industries

  • Finance Types: Unsecured Loans
  • Industries: SMEs, Hospitality

Pros

  • Easy application process

Cons

  • Very high APR

Sources: Source

7. TMC Financing

TMC Financing provides commercial real estate loans focused on hospitality sector properties. It suits franchise buyers and businesses needing secured financing for property acquisition or development. TMC Financing offers specialised lending with flexibility over loan sizes, terms, and a focus on larger scale commercial property investments.

Loan Details

  • Min Amount: £500,000
  • Max Amount: £20,000,000
  • Min APR: 4.9%
  • Max APR: 13.5%
  • Loan Duration: 12-180 months ⌛

Services & Industries

  • Finance Types: Commercial Real Estate Loans
  • Industries: Hospitality, Real Estate

Pros

  • Large loan amounts
  • Specialized in real estate

Cons

  • Long approval process

Sources: Source

8. AVANA Capital

AVANA Capital specialises in SBA and commercial bridge loans designed for hospitality real estate financing. It is typically suited for franchisees and property investors seeking short to medium-term secured loans. AVANA Capital provides flexible loan structures but requires meeting specific eligibility criteria due to the nature of bridging finance.

Loan Details

  • Min Amount: £250,000
  • Max Amount: £20,000,000
  • Min APR: 7.5%
  • Max APR: 20.5%
  • Loan Duration: 12-144 months ⌛

Services & Industries

  • Finance Types: SBA Loans, Bridge Loans
  • Industries: Hospitality, Commercial Real Estate

Pros

  • Expertise in hotel financing
  • Flexible loan structures

Cons

  • Stringent eligibility criteria

Sources: Source

9. Enness Global

Enness Global provides bespoke financing solutions focused on high-value hospitality properties and luxury real estate. It is suitable for experienced franchise buyers and developers requiring secured loans with expert advisory. Enness offers tailored loan arrangements with a focus on complex, prestigious projects requiring flexible terms and security.

Loan Details

  • Min Amount: £500,000
  • Max Amount: £50,000,000
  • Min APR: 3.9%
  • Max APR: 9.9%
  • Loan Duration: 6-120 months ⌛

Services & Industries

  • Finance Types: Property Loans, Secured Loans
  • Industries: Luxury Real Estate, Hospitality

Pros

  • Tailored luxury financing
  • Expert advisory

Cons

  • High entry barriers

Sources: Source

10. Arriba Capital

Arriba Capital offers asset-based and real estate financing solutions tailored for diverse business sectors including hospitality. It suits franchise buyers and operators seeking commercial loans secured on property or assets. Arriba Capital provides flexible financing options with a focus on custom solutions and varying loan structures to match client needs.

Loan Details

  • Min Amount: £500,000
  • Max Amount: £15,000,000
  • Min APR: 6.5%
  • Max APR: 14.5%
  • Loan Duration: 12-120 months ⌛

Services & Industries

  • Finance Types: Asset-Based Loans, Commercial Loans
  • Industries: Construction, Hospitality

Pros

  • Custom loan solutions
  • Wide financing options

Cons

  • Complex application process

Sources: Source

How to choose

When selecting a business loan lender for hotels and accommodation, consider your loan size, terms, and speed of approval. Understand if you need unsecured financing or asset-backed loans secured on property. Balance fixed and variable rates to suit your cash flow and seasonal income. Evaluate lender eligibility criteria carefully, including collateral requirements and repayment flexibility. Prioritise lenders offering transparent fees and clear early repayment options. Use brokered access where specialist or larger loans are needed.

Conclusion

Different lenders suit different needs in hotel and accommodation financing. Banks and specialists handle higher loan amounts typically secured on property. Brokers and fast lenders suit smaller or unsecured loans with quicker access. Funding Agent is suited for SMEs seeking a straightforward comparison of various business finance options. Match your requirements carefully to lender offerings when seeking a 200 thousand pounds loan or other amounts.

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FAQs

What types of business loans are available for hotels and accommodation?
How can I qualify for a business loan for my hotel?
What are the typical interest rates for hotel business loans?
Can new hotels or start-ups get business loans easily?
How long does it take to get approved for a hotel business loan?
Are there specific lenders that specialise in loans for hotels and accommodation?

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1Funding AgentFunding Agent helps UK SMEs compare business finance options fast, with a simple application journey and quick eligibility matching.£10,000–£1,000,000; 4%–20% APR; 3–60 months
2BlueSky FinanceBlueSky Finance offers business loans and asset finance options to help businesses thrive, with tailored lending solutions.£10,000–£500,000; 9.9%–39.9% APR; 3-60 months
3OakNorth BankOakNorth Bank specializes in large business loans starting from £1 million, offering flexible terms and rapid processing.£1,000,000–£25,000,000; 5.5%–15.5% APR; 12-120 months
4CapifyCapify provides SME loans with fast approvals, offering unsecured loans ranging from £5k to £1 million with flexible terms.£5,000–£1,000,000; 12.9%–67.89% APR; 6-18 months
5FleximizeFleximize offers flexible business loan solutions with a variety of term lengths and competitive rates starting from 0.9% per month.£5,000–£500,000; 10.8%–47.9% APR; 3-48 months
6Celtic BankCeltic Bank offers a range of financial products including business loans tailored for expansion and growth.£5,000–£300,000; 42.6%–0% APR; 6-36 months
7TMC FinancingTMC Financing provides commercial real estate financing solutions, specializing in large-scale loans for the hospitality sector.£500,000–£20,000,000; 4.9%–13.5% APR; 12-180 months
8AVANA CapitalAVANA Capital specializes in SBA and commercial bridge loans, tailored for real estate in the hospitality industry.£250,000–£20,000,000; 7.5%–20.5% APR; 12-144 months
9Enness GlobalEnness Global provides tailored financing solutions for high-value properties and prestigious clients in the hospitality sector.£500,000–£50,000,000; 3.9%–9.9% APR; 6-120 months
10Arriba CapitalArriba Capital provides asset-based and real estate financing tailored to meet the needs of businesses in diverse sectors.£500,000–£15,000,000; 6.5%–14.5% APR; 12-120 months
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