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Restaurant, Café & Takeaway Finance
- £10k to £2mil. 3 months to 6 years.
- Business Loans & Asset Finance.
Find the Right Finance Solution for Your Restaurant, Café, or Takeaway Business
Whether you’re planning to invest in new equipment, stock up on inventory, acquire delivery vehicles, or expand and upgrade your premises, we provide the funding you need to take your business to the next level.
We understand the unique challenges and opportunities of running a food and beverage business in today’s competitive market. That’s why we’ve streamlined our process to help you secure the right financial support quickly and easily, so you can focus on growing your business.
How Finance Can Support Restaurant, Café & Takeaway Businesses
Securing the right finance allows you to invest in your business now, spreading the cost over time while unlocking the potential for growth. By leveraging additional revenue generated from these investments, you can comfortably repay the loan while scaling your operations. Here’s how our tailored finance solutions can support your restaurant, café, or takeaway business:
- Asset Finance – Designed for high-value purchases, Asset Finance helps you acquire essential equipment such as coffee machines, refrigeration units, and kitchen tools, ensuring your business runs efficiently.
- Business Loans – Whether you’re renovating, expanding your premises, or launching a marketing campaign, Business Loans and flexible funding options provide the capital you need to grow.
- Commercial Vehicle Finance – For businesses offering delivery services, Commercial Vehicle Finance ensures you have reliable transportation to meet customer demands and expand your reach.
- Merchant Cash Advance – Repay your loan as a percentage of card transactions, aligning repayments with your revenue to maintain financial flexibility.
- Tax Loan & VAT Loans – Simplify cash flow management by spreading the cost of tax obligations, reducing financial pressure during peak seasons.
- The Growth Guarantee Scheme – Access government-backed loans to fund larger-scale projects such as new locations or major refurbishments, giving your business the tools to thrive.
These finance solutions can help support businesses to remain competitive, enhance their customer experience offering, and drive sustainable business growth.
Get Your Estimate
Use our finance calculator to estimate monthly repayments.
How We’ve Helped Restaurants, Cafes & Takeaways…
Cash Flow Loan
Korean Restaurant | London
Finance amount: £250,000
Term: 12 months
Purpose: This working capital loan was used to free up cash flow, enabling the business to invest in the restaurant, improve day-to-day operations, and support sustainable growth without putting pressure on existing finances.
Expansion Finance
Café Franchise | Milton Keynes
Finance amount: £100,000
Term: 24 months
Purpose: The funding supported the business’s expansion into Italy through new store openings, helping strengthen its market presence and accelerate growth by entering an exciting new market.
Fit-Out Finance
Brunch Restaurant | Cumbria
Finance amount: £37,000
Term: 36 months
Purpose: This loan funded the refurbishment of a new building the business was relocating to, providing a larger, fully renovated site that increased capacity and supported revenue growth.
Refit Finance
Café | Northumberland
Finance amount: £10,000
Term: 72 months
Purpose: This funding supported a site expansion project that increased seating capacity, enabling the business to accommodate more customers, boost revenue, and improve overall profitability.
Equipment & Stock Finance
Takeaway & Food Service | Birmingham
Finance amount: £70,000
Term: 36 months
Purpose: We helped this takeaway restaurant access the funding they needed to purchase equipment for their new store opening, ensuring the business was fully set up to operate efficiently from day one.
What Can Restaurant, Café & Takeaway Businesses Use Finance For?
As a restaurant, café, or takeaway owner, your business plays a vital role in the UK’s small business economy. Navigating recent economic challenges has required adaptability and resilience, and the right funding can help you continue to thrive.
Finance can support your business in several ways, including:
- Refurbishing or upgrading your premises
- Purchasing new equipment or facilitating delivery services
- Boosting your online presence or marketing efforts
- Managing cash flow during peak or challenging times
What are the benefits of finance for my Restaurant, Café or Takeaway Business?
- Fuel Business Growth – Invest in new equipment, expand your premises, or introduce delivery services without being held back by cash flow constraints.
- Seamless Support – Access hassle-free funding with expert guidance at every stage of the process with us.
- Flexible Repayments – Choose tailored, affordable repayment options that align with your revenue, making financial management simple and stress-free.
- Optimise Cash Flow – Bridge gaps between paying suppliers and receiving customer payments, keeping your operations running smoothly.
- Enhance Customer Experience – Use funding to refurbish your space, introduce new menu items, or improve customer service to attract and retain loyal customers.
- Adapt to Market Trends – Stay competitive by funding marketing campaigns, launching an online ordering system, or expanding your delivery options to meet changing customer demands.
Discover how we deliver expert financial solutions in the Hospitality industry…
Discover how finance has helped businesses build a strong reputation for great food, exceptional service, and expand its reach. Now, catering to a diverse range of clients, including hotels, pubs, weddings, corporate events, and more.
