Hospitality and Catering Finance

Own the asset while spreading the cost over time
Fixed monthly repayments
Split or deferred payment options
No additional deposit required
Flexible repayment options to suit seasonal cashflow

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Making Hotel and Restaurant Finance More Affordable

If you run a hotel, restaurant, or catering company, we can help arrange finance for the equipment and assets you need to operate, upgrade or expand. From commercial kitchens, refrigeration and coffee machines to hotel furniture, laundry equipment, EPOS systems and refurbishment projects, funding is available from £1,000 upwards.

Flexible payment structures can help you spread the cost monthly or align repayments with seasonal cash flow. Agreements may also be structured around the total project cost, including soft costs such as labour, installation or fit-out work where suitable.

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Hotel, Restaurant and Catering Assets We Can Help Fund

Hospitality and catering finance can be used for a wide range of hard assets across hotels, restaurants, pubs, cafés, venues and catering companies.

Common examples include:

Refrigeration and food storage
Commercial fridges, freezers, cold rooms, wine dispensers, refrigerated vans and temperature-controlled storage.
Coffee, bar and front-of-house equipment
Coffee machines, bar systems, EPOS systems, payment terminals, furniture and customer-facing equipment.
Hotel, venue and event assets
Marquees, hotel furniture, conference facilities, function room equipment and outdoor dining setups.
Fit-out and refurbishment projects
Kitchen fit-outs, installation costs and wider project funding where suitable.
Commercial kitchen and catering equipment
Ovens, grills, fryers, food preparation machines, dishwashers, ice machines, water coolers and specialist catering equipment.

Hotel and Restaurant Lending for More Than Just Equipment

When a hotel, restaurant or catering business invests in new equipment, the total cost often goes beyond the asset itself. Many finance agreements can be structured to include eligible project costs alongside the asset itself, helping you spread the cost of your investment through a single monthly payment.

Depending on the project and lender, this may include:

Project management and consultancy services
Software and EPOS implementation
Services and upgrades
Installation and delivery
Labour and fit-out costs
Staff training

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Case Study

Reality Finance and Guestline keeping Hotel Sector ahead of the game

Reality Finance have worked with Guestline since 2018, offering affordable and easy payment plans across their full suite of products and services. From Guestlines intuitive point of sale tools to fully integrated channel management solutions, customers from the Hotel Sector have the option to balance their payments monthly, as the solution is being used.

Same Day Funding on EPOS Terminals

Fast funding decisions are crucial for the Hotel Sector. Last month Reality financed 26 EPoS Terminals for a Portsmouth Hotel with training and project management wrapped into the same payment plan. Reality were able to provide acceptance and within hours, giving the customer piece of mind they could start using their solution without delay - and without having to dip into vital cash reserves.

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Neil Whitear, specialist Account Manager at Reality Finance arranged the finance on behalf of the company:

I was introduced to this customer by Guestline who were in need of new EPoS terminals for their hotel business. The customer was considering paying cash upfront but due to disrupted trading in recent times due to Covid, they felt more comfortable keeping cash reserves for a rainy day. After speaking with the customer, I was able to offer payment terms the same afternoon and documentation was sent out that very day.

Guestline

Finance options for Hotels, Restaurants and Catering Businesses

From hotel refurbishments and restaurant fit-outs to new catering equipment and seasonal working capital, we help hospitality and catering businesses find lending options that match the way they trade.

After understanding your business, your plans and the assets you want to fund, we will discuss the most suitable finance options available.

This commonly includes:

Hire Purchase

Hire purchase can be suitable for hotels, restaurants and caterers that want to own essential assets while spreading the cost over time. It is often used for catering equipment, commercial ovens, refrigeration, coffee machines, vehicles and other equipment with a clear working life.

Business Loans

Where your plans include wider project costs, refurbishment work, expansion or a cash injection to support your business, business loans and merchant cash advances may be available. We work with a panel of lenders to help arrange lending of up to £500k for eligible UK hospitality and catering businesses.

Finance Lease

A finance lease can help you access the equipment your business needs through regular monthly or quarterly payments. This can be useful for assets that may need upgrading over time, such as EPOS systems, payment technology, refrigeration units or other hospitality technology. At the end of the agreed term, you may have the option to keep or upgrade the equipment.

Flexible lending for the hospitality and catering industry

Finance available for hard assets and eligible soft costs
Settle the agreement at any time
Fixed interest rates for predictable repayments/li>
Refinancing available on existing business assets to release working capital
Staged, deferred or seasonal payment options
The information provided to support the application

Who can apply for Hospitality and Catering Finance?

Hotel and restaurant lending is available to a wide range of UK businesses, from hotels and restaurants funding new fit-outs, refurbishments and expansion projects to caterers, pubs, cafés and venues investing in commercial kitchen equipment, furniture, refrigeration, EPOS systems and other business assets. Finance eligibility criteria can vary, but lenders will usually consider factors such as:

Whether your business is UK-based
The value and type of asset or project being funded
How long your business has been trading
The business’s financial position and ability to afford repayments
Credit history and overall application profile
The information provided to support the application

Providing clear information about your fit-out, refurbishment, catering equipment or wider hospitality project can help lenders understand what you need to fund, how it will be used in the business and whether the repayments are affordable

Get a Quote for Hotel and Restaurant Finance

Investing in a hotel, restaurant or catering business often requires a funding solution that reflects the scale, timing and purpose of the project. Reality Finance helps UK hospitality businesses access suitable lending for fit-outs, refurbishments, commercial kitchens, furniture, refrigeration, EPOS systems and wider project costs.

Share details of your planned investment with our team, including the assets you need to fund, any installation or fit-out costs and how the finance will support your business. We will then review your available options through our lender panel.

Contact our expert team to discuss hotel and restaurant finance, including specialist lending options available to the hospitality and catering industry.

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“Reality Finance provide competitive lease rates enabling our customers to spread the cost of purchasing new equipment with our Easy Payment scheme. They are happy to talk directly with our customers and offer expert financial advice. In this difficult economic climate, we are looking to build on our relationship to make purchasing even easier for our customers.”

Mark Jackson-Nichols , Director, Loma Systems

Having Reality Finance as a partner has enabled our customers to invest in our tray sealing lines which is vital capital equipment that has enabled them to grow their businesses and improve efficiencies much quicker than if they had waited to generate the cash to pay for these assets.

We have always found the team at Reality Finance to be extremely responsive and supportive of us and our joint customers through the whole purchasing process, making it as smooth and swift as possible.

Sam Ashton , Commercial Director, Packaging Automation Ltd

How does our Finance work?

You will have one point of contact at Reality and we believe in building relationships - we won't make you fill in online forms to make your application.

Choose the asset or service your company needs