Business Details
40 Years
experience
Expert Financial Advisers for Hospitality Mortgages
Established in 1986, we specialise in arranging finance for pubs, hotels, restaurants, and guest houses. Our deep sector knowledge and relationships with specialist lenders enable us to secure funding even for complex hospitality sector transactions. We work closely with clients to develop robust business plans, stress-test financial projections, and negotiate terms with lenders who understand the unique challenges of the licensed trade.Our team has decades of combined experience navigating market changes, including the rise of PubCos and evolving financing landscapes. We prioritise transparency, guiding clients through the process without hidden fees or unnecessary valuations. As a regulated credit broker, we maintain rigorous professional standards while delivering tailored solutions for both experienced operators and first-time buyers.
Services
Pub Mortgage Solutions
Hotel Refinance
Leasehold Business Finance
VAT Loan Arrangements
Business Plan Development
Details
- Year established: 1986
Highlights and features
- We have over 35 years of specialist experience in hospitality sector financing
- Our team maintains direct relationships with senior lending managers at specialist institutions
- We prepare tailored business plans and financial forecasts to meet lender criteria
- Regulated by the Financial Conduct Authority for consumer protection
- Proven success securing funding for businesses with complex accounting situations
Associations and certifications
- Financial Conduct Authority
- National Association of Commercial Finance Brokers
What people say
Truly excellent service
Expert guidance
Successfully secured funding
Highly recommended
Understood our business needs
Services
Pub Mortgage Solutions
We specialise in securing mortgages for pub purchases, including freehold and leasehold properties. Our expertise covers transactions with complex accounting situations, no-accounts purchases, and VAT loan arrangements. We work with lenders who understand the licensed trade's unique requirements, offering loan-to-value ratios up to 65% with terms extending to 20 years while ensuring business plans meet stress-testing criteria.
Hotel Refinance
Our team arranges financing for hotel acquisitions and refinancing projects across the UK. We handle both large commercial hotels and smaller guest houses, working with lenders who appreciate lifestyle business models operating under VAT thresholds. Our services include financial forecasting, business plan preparation, and securing loan terms up to 25 years with appropriate interest-only facilities where applicable.
Leasehold Business Finance
We provide financing solutions for leasehold pub acquisitions where traditional security may be limited. Our options include secured lending against alternative collateral and Enterprise Finance Guarantee Scheme support. We advise on required cash contributions, advance rent budgeting, and stock valuation while ensuring clients understand the risks associated with shorter lease terms.
VAT Loan Arrangements
Our VAT loan solutions help clients manage cash flow when purchasing hospitality businesses. We arrange short-term financing to cover VAT payments until reclaim processes complete, ensuring smooth transactions without disrupting working capital. This service works alongside main mortgage arrangements to provide comprehensive funding packages for pub and hotel acquisitions.
Business Plan Development
We create detailed business plans and financial forecasts tailored to lender requirements. Our services include cash flow analysis, profit-and-loss projections, and stress-testing against lender criteria. We help clients demonstrate business viability through robust forecasting, cost-saving analysis, and market opportunity assessments to improve financing approval chances for hospitality sector purchases.
Questions
Can you help secure financing for pubs with no accounting history?
Yes, we specialise in arranging funding for pubs with poor or no accounts through specialist lenders who consider alternative viability metrics.
What loan-to-value ratios do you typically secure?
For freehold properties we typically arrange 65-75% LTV, with leasehold financing depending on collateral and business viability.
Do you work with first-time hospitality business buyers?
Yes, we guide first-time buyers through the process and help demonstrate business viability to lenders despite limited sector experience.
Can you assist with VAT-related financing challenges?
We arrange short-term VAT loans to cover initial payments until reclaim processes complete post-acquisition.
What areas of the UK do you cover?
We operate nationwide, securing financing for hospitality businesses in both urban and rural locations across the UK.
Are your services regulated for consumer protection?
Yes, we are authorised and regulated by the Financial Conduct Authority (Firm Reference 734594).