March 17, 2026
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Best HMRC Loan Lenders for the Hospitality Industry

Discover the best HMRC loan lenders tailored for the hospitality industry in the UK. Get reliable funding options and support to keep your business thriving.
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Best HMRC Loan Lenders for the Hospitality Industry
Jesse Spence
Finance content writer / Market researcher

4 years of experience in market research. He focuses on turning lender criteria and market insights into practical, plain-English resources that help business ownersb improve approval chances and choose the right type of finance

Best HMRC Loan 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 specialises in helping UK SMEs access a variety of business finance options quickly and efficiently. It is typically suited for franchise buyers and operators seeking transparent terms without collateral. The provider emphasises speed and ease of application, offering fast eligibility matching across multiple lenders.

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 focuses on providing tailored business loans and asset finance solutions across several sectors, including hospitality. Their products suit franchise buyers and businesses looking for flexible financing. They provide adaptive lending with some options for collateral and repayment terms designed to accommodate varying business needs.

Loan Details

  • Min Amount: £0
  • Max Amount: £1,000,000
  • Min APR: 4%
  • Max APR: 20%
  • Loan Duration: 3–60 months ⌛

Services & Industries

  • Finance Types: Business Loans, Asset Finance
  • Industries: Hospitality, Other Sectors

Pros

  • Fast approvals
  • Customized solutions

Cons

  • Missing APR details online

Sources: Source

3. OakNorth Bank

OakNorth Bank provides secured and flexible business loans targeted at larger hospitality ventures. This provider suits businesses requiring significant funding and growth support, often involving property or asset security. Loan offerings focus on adaptable repayment structures with specialist sector knowledge.

Loan Details

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

Services & Industries

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

Pros

  • High loan amounts
  • Sector specialists

Cons

  • High minimum loan amount

Sources: Source

4. Millbrook Business Finance

Millbrook Business Finance specialises in leisure and hospitality sector finance, including tailored options for hotels and restaurants. It typically suits operators seeking bespoke loan structures with flexible repayment types. Their offerings focus on enhancing customer experiences through adaptable financing.

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: Invoice Finance, Business Loans
  • Industries: Hospitality, Leisure

Pros

  • Tailored for leisure and hospitality
  • Flexible terms

Cons

  • APR range can be high

Sources: Source

5. Smart Funding Solutions

Smart Funding Solutions offers business loans with a focus on accessibility for hospitality and retail SMEs. Their products fit franchise owners seeking straightforward funding with moderate APR and term flexibility. The provider prioritises accommodating a range of business sizes and loan purposes.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £500,000
  • Min APR: 6.9%
  • Max APR: 24.9%
  • Loan Duration: 12–60 months ⌛

Services & Industries

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

Pros

  • Accessible funding options
  • Focus on SMEs

Cons

  • Average APR rates

Sources: Source

6. Portman Finance Group

Portman Finance Group provides commercial loans and asset finance for hospitality businesses requiring flexible funding. The provider suits operators needing a wide loan size range with competitive APR. They focus on speed and adaptable terms for various business needs in retail and hospitality.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £2,000,000
  • Min APR: 6.9%
  • Max APR: 30%
  • Loan Duration: 3–72 months ⌛

Services & Industries

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

Pros

  • Wide range of loan sizes
  • Fast funding

Cons

  • Broad APR range

Sources: Source

7. Cumberland Building Society

Cumberland Building Society offers commercial mortgages and bespoke finance solutions for businesses in hospitality and real estate. It is suited to clients seeking relationship-managed lending and specialist advice. Their products typically involve secured loans with an emphasis on tailored service.

Loan Details

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

Services & Industries

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

Pros

  • Specialist advice
  • Relationship-managed service

Cons

  • Limited online details

Sources: Source

8. Folk2Folk

Folk2Folk specialises in peer-to-peer lending with property-backed loans for the hospitality and construction sectors. It is suited for businesses that can secure loans against property and prefer fixed interest rates. Their lending approach supports long-term projects with a peer-to-peer funding model.

Loan Details

  • Min Amount: £100,000
  • Max Amount: £0
  • Min APR: 8.5%
  • Max APR: 8.5%
  • Loan Duration: Unknown ⌛

Services & Industries

  • Finance Types: Peer-to-Peer Lending, Property-backed Loans
  • Industries: Hospitality, Construction

Pros

  • Fixed interest rates
  • Property-secured

Cons

  • High minimum loan amount

Sources: Source

9. PMD Business Finance

PMD Business Finance is an independent broker focusing on tailored finance solutions for hospitality businesses. It suits clients who need access to a wide network of lenders and varied product options. They offer flexibility in loan types and repayment with an emphasis on meeting specific sector needs.

Loan Details

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

Services & Industries

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

Pros

  • Large network of lenders
  • Flexible solutions

Cons

  • Lack of APR transparency

Sources: Source

10. Fleximize

Fleximize offers flexible business loans, including secured and unsecured options tailored to hospitality needs. It fits SMEs looking for adaptable loan structures with straightforward application processes. The provider focuses on delivering flexibility in terms and repayment options suitable for varying business models.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £500,000
  • Min APR: 10.8%
  • Max APR: 10.8%
  • Loan Duration: 12–60 months ⌛

Services & Industries

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

Pros

  • Flexible terms
  • Unsecured options

Cons

  • Higher APR rate

Sources: Source

How to choose

When selecting an HMRC loan lender for the hospitality industry, consider the size and type of loan you require, from small business financing to larger commercial loans. Check each provider’s eligibility criteria and repayment flexibility, focusing on how terms fit your business cash flow and seasonality. Evaluate whether you need secured loans or prefer unsecured lending options. Speed of approval and lender transparency around fees and APRs are important factors to weigh. Brokers offer access to diverse lenders, while specialist providers may better suit sector-specific needs. Always review early repayment conditions and total costs before proceeding.

Conclusion

Selecting the right lender depends on your business’s specific needs and loan size. Banks often offer structured loans for significant funding requirements and asset security. Brokers can provide wide access to multiple lenders, increasing options and flexibility. Specialist providers may deliver tailored solutions aligned with hospitality sector demands. Funding Agent remains a solid choice for those seeking rapid comparisons of various lending options. Always confirm terms and pricing directly with lenders to ensure the best fit for a 200 thousand pounds loan or more.

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FAQs

What is an HMRC loan for 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
2BlueSky FinanceBlueSky Finance offers tailored business loans and asset finance solutions for the hospitality industry, helping businesses thrive with flexible lending options.£0–£1,000,000; 4%–20% APR; 3–60 months
3OakNorth BankOakNorth Bank offers fast and flexible business loans for the hospitality sector, starting from £1 million, with a focus on adaptability and growth support.£1,000,000–£0; 0%–0% APR; Unknown
4Millbrook Business FinanceMillbrook Business Finance provides leisure and hospitality finance solutions for hotels and restaurants, with options tailored to deliver exceptional customer experiences.£10,000–£1,000,000; 4%–20% APR; 3–60 months
5Smart Funding SolutionsSmart Funding Solutions offers business loans for various industries with a particular focus on making funding accessible to hospitality businesses.£5,000–£500,000; 6.9%–24.9% APR; 12–60 months
6Portman Finance GroupPortman Finance Group provides commercial loans and asset finance solutions to hospitality businesses with competitive APR and flexible terms.£10,000–£2,000,000; 6.9%–30% APR; 3–72 months
7Cumberland Building SocietyCumberland Building Society offers commercial mortgages and tailored finance solutions for businesses in the hospitality sector.£0–£0; 0%–0% APR; Unknown
8Folk2FolkFolk2Folk provides property-backed loans for the hospitality industry, supporting ambitious projects with peer-to-peer lending.£100,000–£0; 8.5%–8.5% APR; Unknown
9PMD Business FinancePMD Business Finance is an independent broker offering tailored finance solutions, focusing on the hospitality sector through a wide network of lenders.£5,000–£5,000,000; 0%–0% APR; Unknown
10FleximizeFleximize provides business loans with flexibility, offering both secured and unsecured options tailored for the hospitality sector.£5,000–£500,000; 10.8%–10.8% APR; 12–60 months
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