Restaurant finance of up to £150,000 for UK businesses

The hardest part of running a restaurant can be finding finance. We can help with our flexible restaurant business loans.

Apply online

Don’t waste time with unnecessary forms and meetings.

For any purpose

Flexible, controllable funding, tailored to your specific needs.

Maximise ROI

Competitive rates and charges, with no hidden costs.

Peace of mind

Your application is processed promptly, rigorously and securely.

We help restaurants thrive by serving up tailored loans

Running a successful restaurant is a rewarding business, particularly as demand for eating out keeps on growing. Maintaining success means keeping up with changing customer preferences and commercial best practice, while keeping a close eye on income and costs.

Keeping up also means investment in restaurant refurbishment, new premises and new kitchen equipment. Being a competitive industry where businesses come and go quite often, getting a loan for a restaurant can be difficult, and banks and other lenders look for security.

What restaurant owners want is a flexible approach to lending that takes into account current business performance and potential, and doesn’t just look at what’s happened in the past. This is exactly the new approach that Spotcap is bringing to restaurant finance.

We help restaurants thrive by serving up tailored loans

Running a successful restaurant is a rewarding business, particularly as demand for eating out keeps on growing. Maintaining success means keeping up with changing customer preferences and commercial best practice, while keeping a close eye on income and costs.

Keeping up also means investment in restaurant refurbishment, new premises and new kitchen equipment. Being a competitive industry where businesses come and go quite often, getting a loan for a restaurant can be difficult, and banks and other lenders look for security.

What restaurant owners want is a flexible approach to lending that takes into account current business performance and potential, and doesn’t just look at what’s happened in the past. This is exactly the new approach that Spotcap is bringing to restaurant finance.

What business loan is best to finance my restaurant ?

Loans for restaurants can come in many different forms: overdrafts, merchant cash advances or equipment leasing. Making the right choice of loan is essential, because each has its own features.

The main highlights of a Spotcap business loan are that you can apply for it online and it’s very versatile. When you’re approved, you can access a line of credit. From this you draw down funds only when required.

This flexibility means you only borrow what you need. Each drawdown becomes a loan repayable over 7 to 15 months and you can pay back early without penalty. Our loan is designed to give you maximum control in running your business.

How can restaurant owners benefit from Spotcap unsecured finance?

Once your loan with us is approved, it’s up to you how you use it. You can use it to:

  • Promote your latest menu and offers

    Fill your covers by letting existing and new customers know about your latest offerings and promotional deals. A short-term loan can pay for flyers, digital advertising and smart new menus.

  • Invest in new stock

    Glasses get broken, cutlery gets lost and table linen gets marked and damaged. Stay smart by using restaurant finance to renew these essentials that help to give the right impression.

  • Train your staff

    Educating your team in customer service, food hygiene and new culinary skills can pay dividends when it means the customers are happier. A Spotcap loan can help you to invest in training.

  • Buy new furnishings

    A loan can supply the funds you need to refresh the decor and buy new soft furnishings. This can be a cost-effective approach to freshening up your restaurant with a makeover.

  • Protect your cash flow out of season

    There are still bills to pay throughout the year, even when trade is quiet. Because it costs nothing to set up a Spotcap line of credit, this could be a short-term alternative to an overdraft.

Key facts about restaurant finance from Spotcap

Our loans provide versatile finance for established and growing restaurants in the UK

Loan amount

Qualifying restaurants can borrow between £10k and £150k.

Loan terms

Our loans to restaurants begin as a line of credit. Draw down only what you require and then repay, typically over 7 to 15 months.

Criteria to qualify

Your restaurant must have been operating for at least 24 months, be based in the UK with a UK business bank account, and have a turnover of at least £250k.

Interest rates

The rate we charge on our restaurant loans depends on market conditions and your recent business performance. Use our loan calculator to estimate the interest rate and monthly repayments.

Business loan repayment calculator

  • Amount
    £ 100,000
  • Time
    12 months

£9,340

Monthly Repayment

For illustrative purposes only. The example shown above is based on 1.5% average monthly interest rate and 2.0% arrangement fee. The APR (annual percentage rate) is , which includes both interest and fee. The total payable amount is . This amount consists of principle, interest and fee. 
We base our decisions on several criteria and loans can only be granted to borrowers who can afford repayments. For more information about responsible lending click here or contact us directly.

Monthly Repayment

£13,752

  • Amount
    £ 150,000
  • Time
    12 months
For illustrative purposes only. The example shown above is based on 1.5% average monthly interest rate and 2.0% arrangement fee. The APR (annual percentage rate) is , which includes both interest and fee. The total payable amount is . This amount consists of principle, interest and fee. 
We base our decisions on several criteria and loans can only be granted to borrowers who can afford repayments. For more information about responsible lending click here or contact us directly.

How to apply for a loan for your restaurant

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Sign up

Begin our online process by giving us basic information about you and your business.

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Complete the application

To finish the application, upload your bank statements and financial reports, or you can choose to link your accounting software.

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Get approval

Once approved, you can expect to get access to your business loan within one working day.