Finance for Hospitality Businesses


Call us on 01832 770 273

Instant decisions under £100,000

Grow the borrowing power of your business

Funding from £25,001 to £5m

Prioritised by lenders for enhanced approvals

Rated 'Excellent' on Trustpilot

Stay competitive with bright business finance solutions

Running a hospitality business means juggling countless moving parts while delivering exceptional experiences to your guests. Whether you're managing a bustling restaurant, a family run café, or a vibrant pub, the financial demands of your industry are unique.


At BEAR Business Finance, we work with a wide variety of hospitality businesses including hotels, restaurants, pubs, bars, cafes and coffee shops. We understand the rhythm of your business, the seasonal pressures you face, and the opportunities that can transform your operation. 


  • Refurbishments & Fit-outs
  • Equipment & Technology 
  • Cash-Flow Management
  • Bridging Seasonal Gaps
  • Growth & Expansion
  • Recruitment, Wages & Staff Training
  • Marketing & Events

Stay competitive with bright business finance solutions

Running a hospitality business means juggling countless moving parts while delivering exceptional experiences to your guests. Whether you're managing a bustling restaurant, a family run café, or a vibrant pub, the financial demands of your industry are unique.


At BEAR Business Finance, we work with a wide variety of hospitality businesses including hotels, restaurants, pubs, bars, cafes and coffee shops. We understand the rhythm of your business, the seasonal pressures you face, and the opportunities that can transform your operation. 


  • Refurbishments & Fit-outs
  • Equipment & Technology 
  • Cash-Flow Management
  • Bridging Seasonal Gaps
  • Growth & Expansion
  • Recruitment, Wages & Staff Training
  • Marketing & Events

Growing Restaurant Boosts Profit by £90K Through Strategic Asset Finance

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Asset Refinance Solves Seasonal Cashflow Challenges for Ice Cream Business

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"The whole process was smooth, fast, and clearly explained from start to finish. Communication was excellent"

Growing Restaurant Boosts Profit by £90K Through Strategic Asset Finance

Read More

Simple Steps to Funding

01

Apply

It only takes a minute to get started. Fill in our simple form to check your eligibility.

02

Approval

A BEAR Finance expert will call you within 1 working hour to understand your business' finance requirement.

03

Agreement

We use our expertise and panel of lenders to match you with the right solution. All terms are clearly explained.

04

Funded

In-funds as fast as 1 hour after first contact. Your BEAR Finance expert will provide ongoing support as your business continues to grow.

01

Apply

It only takes a minute to get started. Fill in our simple form to check your eligibility.

02

Approval

A BEAR Finance expert will call you within 1 working hour to understand your business' finance requirement.

03

Agreement

We use our expertise and panel of lenders to match you with the right solution. All terms are clearly explained.

04

Funded

In-funds as fast as 1 hour after first contact. Your BEAR Finance expert will provide ongoing support as your business continues to grow.

Discover what's possible for your hospitality business

Refurbishments & Fit-outs

We appreciate that staying relevant means continuous investment in your offering. Whether you're refreshing your menu, refurbishing your front of house, or expanding your seating capacity with outdoor spaces, these improvements require capital before they generate returns.


Soft-Asset finance offers a tax efficient solution for funding a wide variety of updates under operational expenditure. This type of finance can cover fixtures, fittings, lighting, electrics, flooring, equipment and technology.


Not only does this preserve your capital, it also spreads the cost of the assets and VAT over a period of time and OpEx payments are tax deductible. Soft-Asset finance enables you to avoid using up your cash-reserves buying depreciating assets.


  • Refurbishing front-of-house areas - lighting, décor, flooring and air conditioning / heating 


  • Upgrading kitchens, electrics, preparation areas and refrigeration facilities


  • Expanding seating capacity with new indoor or outdoor spaces


  • Diversifying by investing in outdoor pizza ovens, outdoor serving facilities or equipment for external events


  • Rebranding and updating signage

Equipment & Technology - Purchases & Upgrades

A walk-in freezer failure during the height of the season or a coffee machine breaking down during morning service are situations that mean you can't wait weeks for financing approval. We act fast to source finance quickly and efficiently.


Investing in modern and efficient equipment can help reduce service times enabling more customers to be served at peak times and is often more energy efficient helping to reduce bills.


The hospitality industry is embracing technology to improve efficiency and enhance customer experience. From advanced POS systems and booking platforms to kitchen technology that streamlines operations, these investments pay dividends in improved service and reduced costs.


We recognise that technology isn't just about keeping up with trends – it's about creating operational efficiencies that improve your bottom line while enhancing guest satisfaction.

Equipment & Technology

A walk-in freezer failure during the height of the season or a coffee machine breaking down during morning service are situations that mean you can't wait weeks for financing approval. We act fast to source finance quickly and efficiently.


Investing in modern and efficient equipment can help reduce service times enabling more customers to be served at peak times and is often more energy efficient helping to reduce bills.


The hospitality industry is embracing technology to improve efficiency and enhance customer experience. From advanced POS systems and booking platforms to kitchen technology that streamlines operations, these investments pay dividends in improved service and reduced costs.


We recognise that technology isn't just about keeping up with trends – it's about creating operational efficiencies that improve your bottom line while enhancing guest satisfaction.

Cash Flow Management & Bridging Seasonal Gaps

Hospitality businesses often navigate dramatic seasonal variations. During slower periods, you still need to pay rent, VAT, corporation tax, utilities, and retain trained members of your team.


  • Bridge seasonal fluctuations – covering operational costs such as rent, staff wages, insurance and business rates during quieter months


  • Unexpected costs & emergencies – equipment breakdowns, emergency repairs, urgent bills


  • VAT & Corporation Tax – fast funding to pay on time, spreading the cost and avoiding HMRC penalties


  • Stock purchases - stock up ahead of busy seasons and bulk buy to qualify for larger supplier discounts or seize time-sensitive offers

Recruitment, Wages & Training

Hospitality job vacancies remain higher than before the Covid-19 Pandemic across the UK (according to the Office for National Statistics – ONS). Increases to the National Minimum Wage and National Living Wage introduced in April have significantly impacted the UK hospitality wage bill.


Retaining valued members of your team is vital. If you can offer better pay (paid on-time), training, or working conditions, you'll keep the team members who contribute to the success of your business.


  • National Minimum Wage / National Living Wage increases 


  • Recruiting and retaining qualified chefs, kitchen staff, front-of-house staff, baristas, cleaners and managers

 

  • Covering staff shortages or agency staff costs 


  • Training staff to ensure exceptional standards and compliance with food related legislations

Recruitment, Wages & Training

Hospitality job vacancies remain higher than before the Covid-19 Pandemic across the UK (according to the Office for National Statistics – ONS). Increases to the National Minimum Wage and National Living Wage introduced in April have significantly impacted the UK hospitality wage bill.


Retaining valued members of your team is vital. If you can offer better pay (paid on-time), training, or working conditions, you'll keep the team members who contribute to the success of your business.


  • National Minimum Wage / National Living Wage increases 


  • Recruiting and retaining qualified chefs, kitchen staff, front-of-house staff, baristas, cleaners and managers

 

  • Covering staff shortages or agency staff costs 


  • Training staff to ensure exceptional standards and compliance with food related legislations

Growth and Expansion

  • Opening additional sites


  • Expanding your site


  • Acquiring a competitor’s business


  • Franchise investment

Marketing, Advertising & Events

Attending wedding fairs, investing in marketing collateral, and advertising ahead of key seasons requires upfront investment. Whether you're promoting a new menu, showcasing a refurbishment, or building an online presence through social media and Google ads, these marketing efforts drive future bookings.


  • Digital transformation – building or upgrading your website


  • Brand awareness – advertising campaigns, social media presence and influencer partnerships


  • Professional photography & videography


  • Events

Bright In Our Thinking

We challenge convention to find smarter solutions 

Efficient In Our Approach

Our expertise allows us to deliver faster

Accurate In Our Process

We expertly match to enhance approvals 

Relentless In Our Drive 

We're committed to helping your business grow

Ready to discuss how BEAR Business Finance can support your business? Contact us today.

Get in touch

Bear Business Finance Limited

41 Commerce Road

Peterborough Business Park

Lynch Wood

Peterborough

PE2 6LR


01832 770273

BearBusinessFinance.com

info@BearBusinessFinance.com


Opening hours

Mon to Fri   08:00 to 17:30

Saturday     09:00 to 12:30

Sunday       Closed