March 17, 2026
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Best Equipment Finance Lenders for the Hospitality Industry

Discover the best equipment finance lenders tailored for the UK hospitality sector. Compare rates, terms, and find the right finance solution to grow your business.
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Best Equipment Finance Lenders for the Hospitality Industry
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 Equipment 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 2026-03-16.

1. Funding Agent

Funding Agent focuses on providing a streamlined comparison of business finance options for UK SMEs. It is typically suitable for businesses looking for quick access to unsecured loans with clear eligibility criteria. The service prioritises simple applications and fast decision times, often with flexible repayment choices 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. Admiral Leasing & Loans

Admiral Leasing & Loans provides equipment finance and leasing solutions focusing on a range of industry needs including hospitality. It typically serves businesses requiring tailored asset finance with flexible structures. Their offerings often include brokered access and consider security arrangements for managing risk and repayment options.

Loan Details

  • Min Amount: £0
  • Max Amount: £0
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Unknown

Services & Industries

  • Finance Types: Equipment Finance, Commercial Loans
  • Industries: Hospitality, IT, Telecoms

Pros

  • Experience in diverse industries
  • Customized solutions

Cons

  • Limited online information about terms

Sources: Source

3. Millbrook Business Finance

Millbrook Business Finance centres on asset and equipment finance tailored for the hospitality sector. It suits businesses seeking competitive rates with flexible loan terms and efficient approval processes. The provider generally supports collateralised lending with options designed to match varied repayment schedules.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £1,000,000
  • Min APR: 4.9%
  • Max APR: 14.9%
  • Loan Duration: 6-60 months

Services & Industries

  • Finance Types: Asset Finance, Business Loans
  • Industries: Hospitality, Leisure

Pros

  • Competitive APR rates
  • Rapid approval process

Cons

  • Requires detailed financial documentation

Sources: Source

4. Portman Finance Group

Portman Finance Group delivers a wide selection of business and equipment financing options for SMEs. It typically suits businesses looking for tailored funding with flexibility in repayment terms and a variety of finance products. The provider considers security and lending limits suited to multiple industry sectors including hospitality.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £2,000,000
  • Min APR: 6.9%
  • Max APR: 0%
  • Loan Duration: 3 months to 6 years

Services & Industries

  • Finance Types: Business Loans, Asset Finance
  • Industries: Hospitality, General Business

Pros

  • Wide range of finance products
  • Flexible repayment terms

Cons

  • Potentially higher APR for unsecured loans

Sources: Source

5. Star Asset Finance

Star Asset Finance offers asset finance solutions focusing on SMEs with an emphasis on quick fund access and flexible repayment structures. It is suited for businesses in need of tailored financing products across varied industries. The provider typically supports finance secured against assets with flexible term lengths.

Loan Details

  • Min Amount: £0
  • Max Amount: £250,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: 3 to 60 months

Services & Industries

  • Finance Types: Asset Finance, Commercial Loans
  • Industries: Various Industries

Pros

  • Fast fund access
  • Flexible repayment

Cons

  • Details on APR not readily available online

Sources: Source

6. Reality Finance

Reality Finance specialises in asset finance and business loans with a focus on flexible, customer-centred services. It is typically suitable for businesses seeking adaptable funding solutions without rigid terms. Their approach often involves working with brokers and considers a range of lending criteria across industries.

Loan Details

  • Min Amount: £0
  • Max Amount: £0
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Unknown

Services & Industries

  • Finance Types: Asset Finance, Business Loans
  • Industries: General Business, Various Industries

Pros

  • Proven track record in asset finance
  • Customer-focused solutions

Cons

  • Limited online information about loan specifics

Sources: Source

7. OakNorth

OakNorth focuses on business loans for SMEs using a technology-driven credit platform. It is typically suited for businesses requiring fast decisions on larger loan amounts. The provider offers options that may include secured lending with a range of repayment terms tailored to industry needs.

Loan Details

  • Min Amount: £1,000,000
  • Max Amount: £0
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Unknown

Services & Industries

  • Finance Types: Business Loans, Asset Finance
  • Industries: SME Business, Various Industries

Pros

  • High loan amounts available
  • Tech-driven credit assessment

Cons

  • High minimum loan amount

Sources: Source

8. Novuna

Novuna offers flexible business finance options with a focus on speed and competitive APRs. It suits businesses seeking quick access to funds for varied purposes. The provider typically supports different loan types including short-term solutions with rapid decision times.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £0
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: 24-72 hours for fund access

Services & Industries

  • Finance Types: Business Loans, Cash Flow Loans
  • Industries: General Business, Various Industries

Pros

  • Quick decision and fund transfer
  • Flexible financing options

Cons

  • Specific loan details must be confirmed

Sources: Source

9. Funding Options

Funding Options connects businesses to a broad network of lenders offering various finance products. It is suited for those seeking diversity in loan types and flexibility in terms. Typical offerings include both secured and unsecured lending with repayment options that vary by lender.

Loan Details

  • Min Amount: £500
  • Max Amount: £15,000,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Varies by lender

Services & Industries

  • Finance Types: Business Loans, Asset Finance, Flexible Credit
  • Industries: Various Industries

Pros

  • Extensive lender network
  • Wide range of finance products

Cons

  • Terms vary widely by lender

Sources: Source

10. Johnson Reed

Johnson Reed specialises in equipment finance with a focus on rapid approvals and customer service for the hospitality industry. It is typically suitable for businesses needing tailored leasing and finance options specifically for business equipment. The provider generally supports both secured and unsecured lending with flexible repayment terms.

Loan Details

  • Min Amount: £0
  • Max Amount: £0
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: 24 hours

Services & Industries

  • Finance Types: Equipment Finance, Leasing
  • Industries: Hospitality

Pros

  • Specialized in hospitality equipment
  • Rapid approval processes

Cons

  • Limited information available on loan specifics online

Sources: Source

How to choose

Choosing the best equipment finance lender for the hospitality industry requires careful consideration of loan size, APR, and eligibility criteria. Prioritise lenders who offer flexible repayment options that align with your cash flow and seasonal business patterns. Evaluate the balance between speed of funding and the flexibility of terms, especially regarding collateral requirements. Consider whether a direct lender or brokered access better suits your business complexity. Always review fees, early repayment options, and eligibility requirements before applying to ensure the finance solution fits your operational needs.

Conclusion

Matching the right lender to your needs depends on your business size, required loan amount, and desired flexibility. Bank lenders often serve larger loans with structured terms, while brokers and specialist providers may offer faster access or niche products for hospitality businesses. Funding Agent is a practical option for SMEs seeking quick comparison across multiple options. For financing needs around 200 thousand pounds loans, providers vary in focus and suitability, so confirming current terms and costs with each lender is essential. Always align your choice with your business strategy and repayment capacity.

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FAQs

What is equipment finance in the hospitality industry?
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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
2Admiral Leasing & LoansAdmiral Leasing & Loans specializes in equipment finance and leasing for various industries, including hospitality, providing tailored finance solutions to UK businesses.£0–£0; 0%–0% APR; Unknown
3Millbrook Business FinanceMillbrook Business Finance offers asset and equipment finance solutions tailored to the hospitality sector, with a focus on flexible terms and rapid approvals.£10,000–£1,000,000; 4.9%–14.9% APR; 6-60 months
4Portman Finance GroupPortman Finance Group offers a range of business and equipment finance products, catering to small and medium enterprises across various industries including hospitality.£10,000–£2,000,000; 6.9%–0% APR; 3 months to 6 years
5Star Asset FinanceStar Asset Finance provides SME-focused asset finance solutions, supporting businesses with flexible financial products and fast access to funds.£0–£250,000; 0%–0% APR; 3 to 60 months
6Reality FinanceReality Finance offers tailored asset finance solutions to businesses across the UK, focusing on flexibility and customer-driven services.£0–£0; 0%–0% APR; Unknown
7OakNorthOakNorth specializes in business loans for SMEs, supported by a next-generation credit platform that offers fast decision-making for a wide range of industries.£1,000,000–£0; 0%–0% APR; Unknown
8NovunaNovuna provides flexible business financing options, focusing on competitive APR rates and quick approvals for various business needs.£10,000–£0; 0%–0% APR; 24-72 hours for fund access
9Funding OptionsFunding Options helps businesses connect with a wide array of lenders, offering diverse finance products tailored to meet specific business needs.£500–£15,000,000; 0%–0% APR; Varies by lender
10Johnson ReedJohnson Reed focuses on business equipment finance with a reputation for fast approvals and excellent customer service tailored to the hospitality sector.£0–£0; 0%–0% APR; 24 hours