Hotel finance is one of the most specialist areas of UK commercial lending. Mainstream banks have largely retreated, leaving a small group of specialist lenders who understand RevPAR, EBITDA multiples, and the operational dynamics of hospitality assets. These are the lenders we work with.
What Specialist Hotel Lenders Assess
- Trading performance — RevPAR (Revenue Per Available Room), occupancy rates, and EBITDA track record
- Star rating and brand — branded properties or those with a clear brand upgrade path are preferred
- Location — proximity to demand generators (business districts, tourist attractions, transport hubs)
- Freehold vs leasehold — freehold strongly preferred; long leasehold (70+ years) workable
- Operator covenant — experienced hotel operator or management company significantly strengthens the application
Types of Hotel Finance Available
- Bridging loans for fast acquisitions or where refurbishment is required before term finance is viable
- Development finance for new-build hotel schemes or major extensions
- Commercial investment loans for stabilised, trading hotels with strong occupancy
- Refinancing to release equity from existing hotels for expansion
A hotel with strong trading performance, experienced management, and a credible business plan is one of the most bankable commercial assets in the market. Get the fundamentals right and lender appetite is strong.
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