Who We Work With
Hospitality.
Finance for the people who run venues — acquiring, refurbishing, equipping and carrying the working capital that hospitality runs on.
Overview
How we work with the sector.
Hospitality is one of the harder sectors to finance through a bank, and not because the businesses are weak. Cash flow is seasonal, margins are read carefully, and a lot of the value sits in goodwill, fit-out and a lease rather than in property a lender can hold. We work with cafés, restaurants, bars, hotels and function venues across acquisition, refurbishment and expansion. The sector is distinct in that the right lender has to be comfortable with hospitality's rhythms — a venue carrying a quiet winter, a fit-out that's specific to one site, a loan where the security is the business itself rather than bricks and mortar. A generalist lender often prices that uncertainty as risk or declines it outright. We know which lenders genuinely back hospitality businesses, and we build the loan — and the repayments — around how a venue actually trades through the year.
Sector Snapshot
- Typical Loan Size
- $50K — $5M+
- Common Products
- Business loans, equipment finance, cashflow finance
- Settlement Window
- 1 — 5 weeks
- Security Profile
- Often goodwill & asset-backed
Common Scenarios
What we finance most often.
01 / 03
Venue acquisition
Funding the purchase of a café, restaurant, bar or hotel — where goodwill, the lease and the fit-out shape the loan more than property does.
02 / 03
Refurbishment & kitchen fit-out
Financing a refit, a relocation or a commercial kitchen build, spread over a term that matches the lift in trade it pays for.
03 / 03
Equipment & working capital
Funding kitchen and venue equipment, and carrying working capital through a seasonal trough or a slow stretch between strong months.
Finance Products
Products most relevant to hospitality.
FAQ
Hospitality finance — questions answered.
Often, yes. Many hospitality acquisitions are structured against goodwill, the lease and the fit-out rather than property. The available security shapes the rate and the lender, but it does not always decide whether the deal is fundable.
The right lenders do. Hospitality's seasonal rhythm is well understood by the lenders that genuinely back the sector — we place deals with them and structure the repayments so the quiet months are carried, not penalised.
Yes. A kitchen fit-out can be funded as equipment finance, as a term loan, or as part of a broader refurbishment facility. We structure it over a term that matches the trade it is meant to lift.
Cashflow finance carries a venue through a known seasonal dip and is repaid as the busy season's revenue returns. Used deliberately for a defined period, it keeps a timing problem from becoming a trading problem.
It can be, where a lender prices in seasonality or a goodwill-heavy security position. Placing the deal with a lender that genuinely understands hospitality is what narrows that gap — and that is the core of what we do.
Ready?
Let's structure your next hospitality deal.
One short application puts your deal in front of the lenders most likely to fund it. No obligation, no cost to find out where you stand.