March 26, 2026
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Best Long-Term Business Loan Lenders for the Travel and Tourism Industry

Discover the best long-term business loan lenders for the travel and tourism industry in the UK. Compare rates, terms, and find funding to grow your business.
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Best Long-Term Business Loan Lenders for the Travel and Tourism Industry
Jesse Spence
Finance content writer / Market researcher

Jesse Spence is a Funding Research and Content Lead at Funding Agent with 4 years of experience in market research. He focuses on turning lender criteria and market insights into practical, plain-English resources that help business owners, not only, improve approval chances and choose the right type of finance but also find the right funding providers for their needs.

Best Long-Term Business Loan Lenders for the Travel and Tourism 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 2026-03-23.

1. Funding Agent

Funding Agent focuses on brokering unsecured business loans and merchant cash advances for UK SMEs. It is typically suitable for franchise buyers and operators needing quick access to finance with clear options. The service emphasises speed, straightforward application, and predictable terms without requiring collateral.

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. Triodos Bank

Triodos Bank specialises in sustainable and green loans for projects supporting environmental and community goals. It typically suits borrowers in sustainable tourism and related sectors. The bank offers long-term financing with an emphasis on ethical lending, often requiring collateral and providing flexible repayment options aligned with project impact.

Loan Details

  • Min Amount: £100,000
  • Max Amount: £20,000,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Up to 25 years ⌛

Services & Industries

  • Finance Types: Large Loans, Green Loans
  • Industries: Sustainable Development, Green Tourism

Pros

  • Focus on sustainability
  • Long repayment terms

Cons

  • Higher initial costs

Sources: Source

3. Folk2Folk

Folk2Folk operates as a peer-to-peer lender providing secured loans to SMEs, often secured against property or assets. It is suited for borrowers seeking regional UK business loans with asset security. The platform provides a tailored loan process focused on flexibility and local market knowledge.

Loan Details

  • Min Amount: £100,000
  • Max Amount: £10,000,000
  • Min APR: 7.5%
  • Max APR: 9%
  • Loan Duration: 6 months to 5 years ⌛

Services & Industries

  • Finance Types: Secured Loans
  • Industries: Hospitality, Retail, Tourism

Pros

  • Wide regional reach
  • Strong local focus

Cons

  • Higher rates for smaller loans

Sources: Source

4. OakNorth Bank

OakNorth Bank provides larger-scale secured business loans for mid-market UK firms, especially in hospitality and tourism. It fits borrowers needing substantial funds with tailored terms and security arrangements. The bank offers customised loan durations and terms, with thorough underwriting and sector expertise.

Loan Details

  • Min Amount: £1,000,000
  • Max Amount: £50,000,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Custom Terms ⌛

Services & Industries

  • Finance Types: Secured Loans
  • Industries: Hospitality, Tourism

Pros

  • Large loan sizes
  • Sector expertise

Cons

  • High minimum loan amount

Sources: Source

5. Fleximize

Fleximize offers flexible unsecured and secured loans tailored to SMEs across sectors like tourism. It suits businesses seeking adaptable terms and a customer-oriented approach. The lender allows varied repayment schedules and generally does not require property as collateral for smaller loans.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £500,000
  • Min APR: 10.8%
  • Max APR: 15%
  • Loan Duration: 1 month to 48 months ⌛

Services & Industries

  • Finance Types: Unsecured Loans, Secured Loans
  • Industries: Tourism, Hospitality

Pros

  • No early repayment fees
  • Flexible terms

Cons

  • Higher APR for short term loans

Sources: Source

6. Swiftfund

Swiftfund provides fast financing via merchant cash advances and short-term loans for SMEs in travel, hospitality, and related sectors. It is suitable for businesses needing rapid access to funds with flexible lending criteria. While interest rates may be higher, the process focuses on speed and simplicity rather than traditional collateral requirements.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £500,000
  • Min APR: 10.5%
  • Max APR: 15%
  • Loan Duration: 6 months to 3 years ⌛

Services & Industries

  • Finance Types: Merchant Cash Advances
  • Industries: Food & Beverage, Retail, Tourism

Pros

  • Quick funding
  • No interest rates on advances

Cons

  • Fixed fees can be high

Sources: Source

7. Barclays

Barclays offers traditional bank loans and overdrafts for a wide range of business sectors, including tourism and hospitality. It is suitable for borrowers seeking established financial providers with physical branch access. Barclays provides tailored solutions with varying loan terms and competitive rates depending on customer circumstances.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £50,000
  • Min APR: 6%
  • Max APR: 20%
  • Loan Duration: 1 to 10 years ⌛

Services & Industries

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

Pros

  • Large branch network
  • Established financial institution

Cons

  • Potentially higher fees

Sources: Source

8. Clydesdale Bank

Clydesdale Bank is a traditional UK lender providing both secured and unsecured business loans. It suits SMEs requiring flexible lending options and personalised customer service. The bank generally focuses on providing bespoke financial solutions with consideration to customer needs and sector requirements.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £500,000
  • Min APR: 5.5%
  • Max APR: 12.5%
  • Loan Duration: 6 months to 5 years ⌛

Services & Industries

  • Finance Types: Secured Loans, Unsecured Loans
  • Industries: Travel, Leisure

Pros

  • Strong customer service
  • Flexible lending

Cons

  • Higher interest for smaller loans

Sources: Source

9. Lloyds Bank

Lloyds Bank provides business loans and overdrafts with competitive rates suitable for tourism and retail sectors. It is a good fit for SMEs that prefer established banking institutions with wide network access. Lloyds offers flexible repayment options with varied criteria based on client profile and loan purpose.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £50,000
  • Min APR: 11.2%
  • Max APR: 15%
  • Loan Duration: Up to 25 years ⌛

Services & Industries

  • Finance Types: Business Loans, Overdrafts
  • Industries: Tourism, Retail

Pros

  • Large network
  • Good reputation

Cons

  • Strict criteria for funding

Sources: Source

10. HSBC UK

HSBC UK offers a broad range of secured and unsecured business loans serving tourism, transportation, and hospitality industries. It is suitable for SMEs looking for international reach and varied financial products. HSBC provides flexible repayment options and tailored lending terms according to industry needs.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £1,000,000
  • Min APR: 6.1%
  • Max APR: 13.5%
  • Loan Duration: Flexible terms ⌛

Services & Industries

  • Finance Types: Secured Loans, Unsecured Loans
  • Industries: Tourism, Transportation, Hospitality

Pros

  • Wide range of products
  • International reach

Cons

  • Complex application process

Sources: Source

How to choose

When selecting a long-term business loan lender for the travel and tourism industry, consider how well the loan size and term fit your financial needs. Evaluate the eligibility criteria to ensure your franchise or business type is a good match. Balance the importance of quick funding against the flexibility of repayment options. Assess whether collateral is required and if loan-to-value limits suit your situation. Review fees, including early repayment penalties, and factor in seasonal cash flow when planning repayments. Finally, consider lender specialisation and customer service reputation to find a provider aligned with your business goals.

Conclusion

Choosing the right lender depends on your specific use case and business needs. Traditional banks offer established services suitable for those seeking stability and branch access, while brokers like Funding Agent provide quicker access to smaller loans with broader options. Specialist lenders and peer-to-peer platforms may offer tailored solutions for larger or asset-backed financing needs. For SMEs exploring options around 200 thousand pounds loan, Funding Agent remains a practical choice to compare multiple providers swiftly. Always verify current costs and terms directly with lenders before proceeding.

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FAQs

What is a long-term business loan?
Which lenders offer the best long-term business loans for travel and tourism businesses?
How do I qualify for a long-term business loan in the travel and tourism sector?
What are the typical interest rates for long-term business loans in this industry?
How can a long-term loan benefit a travel and tourism business?
Are there alternatives to traditional bank loans for travel and tourism businesses?

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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
2Triodos BankTriodos Bank is a leader in sustainable banking, offering finance for projects that promote positive change for individuals and communities, including in tourism.£100,000–£20,000,000; 0%–0% APR; Up to 25 years
3Folk2FolkFolk2Folk is a peer-to-peer lending platform offering secured loans to SMEs across regional UK, supporting sectors like tourism and hospitality.£100,000–£10,000,000; 7.5%–9% APR; 6 months to 5 years
4OakNorth BankOakNorth specializes in providing larger business loans to mid-sized UK companies, particularly in sectors like hospitality and tourism.£1,000,000–£50,000,000; 0%–0% APR; Custom Terms
5FleximizeFleximize caters to the SME sector, offering flexible business loans with a focus on customer-centric services and competitive rates for industries like tourism.£5,000–£500,000; 10.8%–15% APR; 1 month to 48 months
6SwiftfundSwiftfund provides quick business financing solutions including merchant cash advances, serving industries like travel and hospitality in the UK.£10,000–£500,000; 10.5%–15% APR; 6 months to 3 years
7BarclaysBarclays provides comprehensive business loan services, supporting a wide range of industries, including tourism, with tailored financial solutions.£1,000–£50,000; 6%–20% APR; 1 to 10 years
8Clydesdale BankClydesdale Bank, a traditional UK lender, provides tailored business financial services with a focus on flexibility and customer service.£10,000–£500,000; 5.5%–12.5% APR; 6 months to 5 years
9Lloyds BankLloyds Bank offers business loans with competitive rates and terms, supporting various industries including the travel and tourism sector.£1,000–£50,000; 11.2%–15% APR; Up to 25 years
10HSBC UKHSBC UK provides comprehensive banking services and business loans, with special schemes for industries like tourism.£1,000–£1,000,000; 6.1%–13.5% APR; Flexible terms
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