March 17, 2026
Lists

Best Business Loan Lenders for Pubs and Bars

Discover the best business loan lenders for pubs and bars in the UK. Compare rates, terms, and find the right finance to grow your hospitality business.
Square image with a black border and white background
Best Business Loan Lenders for Pubs and Bars
James Laden
Co-founder and CEO

8 years of experience working with major financial companies in the UK, and now focuses on making business funding simpler for SMEs through a faster, technology-led application journey.

Best Business Loan Lenders for Pubs and Bars

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 is focused on providing UK SMEs with a fast and easy way to compare various business finance options. It is suitable for those looking for clear eligibility matches and simple application processes. They offer flexible terms without requiring collateral and provide access to multiple loan types quickly.

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. 365 Business Finance

365 Business Finance provides unsecured funding solutions tailored to small business owners in the UK. It is well suited to those seeking flexible repayment options with fast access to capital. The provider focuses on ease and flexibility without requiring security or lengthy approval times.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £500,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Flexible ⌛

Services & Industries

  • Finance Types: Merchant Cash Advance
  • Industries: Hospitality, Retail

Pros

  • No fixed payments
  • Fast approval

Cons

  • No APR transparency

Sources: Source

3. Rangewell

Rangewell operates as a broad commercial finance broker, offering access to many lenders and product types across the UK. The service is suitable for businesses that want tailored finance solutions and wide market access. Rangewell works well for those seeking both unsecured and secured loans with varied repayment options.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £500,000
  • Min APR: 2.5%
  • Max APR: 12%
  • Loan Duration: 3-60 months ⌛

Services & Industries

  • Finance Types: Business Term Loans, Asset Finance
  • Industries: Professional Services, Retail

Pros

  • Wide range of finance products
  • Tailored solutions

Cons

  • Potentially higher fees

Sources: Source

4. Capify

Capify offers short-term loans and merchant cash advances tailored for small UK businesses. It serves those needing fast access to working capital with flexible repayment options. Capify’s funding is generally unsecured and suited to businesses requiring quick decisions without extensive security requirements.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £1,000,000
  • Min APR: 67.89%
  • Max APR: 0%
  • Loan Duration: 3-12 months ⌛

Services & Industries

  • Finance Types: Short-Term Loans, Merchant Cash Advance
  • Industries: Hospitality, Manufacturing

Pros

  • Fast funding
  • No early repayment fee

Cons

  • High APR

Sources: Source

5. Novuna

Novuna provides tailored financial solutions for UK businesses with an emphasis on cash flow support. It suits companies requiring straightforward loans with flexible terms including unsecured and secured options. Novuna focuses on speed and simplicity for common business sectors such as retail and construction.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £500,000
  • Min APR: 6.9%
  • Max APR: 0%
  • Loan Duration: Competitive ⌛

Services & Industries

  • Finance Types: Unsecured Loans, Secured Loans
  • Industries: Retail, Construction

Pros

  • Fast decision
  • Flexible funding options

Cons

  • Limited loan amounts

Sources: Source

6. Portman Financial Services

Portman Financial Services acts as both lender and broker, providing flexible loan options to UK SMEs. It is useful for businesses that want comprehensive funding support with some secured options. Portman offers a broad loan range, servicing professional services and general SMEs with adaptable terms.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £2,000,000
  • Min APR: 6.9%
  • Max APR: 0%
  • Loan Duration: 3-72 months ⌛

Services & Industries

  • Finance Types: Business Loans, Asset Finance
  • Industries: Professional Services, SMEs

Pros

  • Wide funding range
  • Dedicated support

Cons

  • May require security

Sources: Source

7. Swoop Funding

Swoop Funding specialises in providing access to a broad range of financing options including loans, equity, and grants for UK businesses. It suits firms looking for tailored funding solutions across various sectors. The provider emphasises personalised service and wide funding access with multiple repayment options.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £750,000
  • Min APR: 6.9%
  • Max APR: 0%
  • Loan Duration: 6-60 months ⌛

Services & Industries

  • Finance Types: Loans, Equity Finance, Grants
  • Industries: Various sectors

Pros

  • Personalized options
  • Wide funding access

Cons

  • Complex application process

Sources: Source

8. Fleximize

Fleximize offers secured and unsecured loans with flexible terms for UK small businesses aiming to grow. It suits those requiring versatile options and varied repayment structures. Fleximize focuses on flexibility and tailored lending solutions across multiple industries.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £500,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Varied ⌛

Services & Industries

  • Finance Types: Unsecured Loans, Secured Loans
  • Industries: Various sectors

Pros

  • Flexible terms
  • No early repayment fee

Cons

  • Variable interest rates

Sources: Source

9. Active Business Finance

Active Business Finance delivers custom funding solutions focused on quick decision-making for small UK businesses. It is suitable for those seeking flexible loan terms and straightforward approval processes. The provider emphasises low fees and efficient funding with tailored options across various sectors.

Loan Details

  • Min Amount: £0
  • Max Amount: £0
  • Min APR: 6%
  • Max APR: 0%
  • Loan Duration: 1-5 years ⌛

Services & Industries

  • Finance Types: Small Business Loans
  • Industries: Various sectors

Pros

  • No fees
  • Quick approvals

Cons

  • Limited loan amount
  • Strict eligibility

Sources: Source

10. SME Loans

SME Loans specialises in straightforward, flexible funding options for small and medium UK enterprises. It is suitable for those requiring varied loan types and industry coverage. The provider highlights ease of setup with competitive terms adaptable to different business needs.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £500,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Varied ⌛

Services & Industries

  • Finance Types: Cash Flow Loans, Start-Up Loans
  • Industries: Various sectors

Pros

  • No setup fees
  • Wide range of financing

Cons

  • Potential high interest

Sources: Source

How to choose

When selecting the best business loan lenders for pubs and bars, assess how loan amounts and APRs align with your financial plans. Verify eligibility criteria carefully and weigh the trade-offs between application speed and repayment flexibility. Consider the suitability of loan types, such as secured versus unsecured, in relation to your collateral availability. Review fees, early repayment terms, and lender requirements to avoid unexpected costs. Finally, balance your need for quick access to funds with longer-term repayment affordability to maintain stable cash flow through seasonal fluctuations.

Conclusion

Choosing the right lender depends on your business needs and borrowing purpose. Banks, brokers, and specialist lenders each offer different strengths regarding loan sizes, product range, and security requirements. Funding Agent is a solid option for SMEs wanting quick comparisons of multiple providers. Others may better suit larger loans, asset-backed finance, or specific industry needs. Always verify current terms directly with lenders before proceeding with a 200 thousand pounds loan or similar financing.

Table of Contents
Example H2
Example H3

Let’s launch your project?

arrow button

Find the right lender for you!

Generate offers
Cta image

FAQs

What types of business loans are available for pubs and bars?
How can I qualify for a business loan for my pub or bar?
What are the typical interest rates for business loans for pubs and bars?
Can new pubs or bars with no trading history get a loan?
How long does it take to get approved for a business loan?
Are there any UK government schemes to help pubs and bars with financing?

Get Funding For
Your Business

Generate offers
Cta image
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
2365 Business Finance365 Finance offers flexible funding solutions for small business owners in the UK, allowing quick access to unsecured capital.£5,000–£500,000; 0%–0% APR; Flexible
3RangewellRangewell is a comprehensive finance broker, offering access to thousands of business finance products from various lenders across the UK.£5,000–£500,000; 2.5%–12% APR; 3-60 months
4CapifyCapify provides small businesses in the UK with fast, flexible funding solutions, including short-term loans and merchant cash advances.£5,000–£1,000,000; 67.89%–0% APR; 3-12 months
5NovunaNovuna offers simple and fast financial solutions tailored for UK businesses, with a strong emphasis on supporting cash flow in various sectors.£10,000–£500,000; 6.9%–0% APR; Competitive
6Portman Financial ServicesPortman provides comprehensive funding solutions for UK SMEs, offering services as both a lender and a broker with flexible terms.£10,000–£2,000,000; 6.9%–0% APR; 3-72 months
7Swoop FundingSwoop Funding specializes in helping UK firms access diverse business financing options, from loans to grants, tailored to business needs.£10,000–£750,000; 6.9%–0% APR; 6-60 months
8FleximizeFleximize offers flexible, secured and unsecured loans aimed at helping small businesses grow with tailored finance solutions.£10,000–£500,000; 0%–0% APR; Varied
9Active Business FinanceActive Business Finance provides tailored funding solutions to small businesses across the UK, with a focus on fast decisions and flexible terms.£0–£0; 6%–0% APR; 1-5 years
10SME LoansSME Loans specializes in providing small and medium-sized enterprises in the UK with a variety of flexible and straightforward funding options.£1,000–£500,000; 0%–0% APR; Varied
Apply now