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.
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
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
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
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
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
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
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
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
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
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
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.