Business Loans for
Restaurant Owners
Specialised funding solutions designed for the unique needs of the food service industry
Restaurant Business Loans from £1,000 to £2,000,000
We offer comprehensive business loans for restaurants, cafés, and food service businesses to help manage cash flow, purchase equipment, and fuel growth. Understanding the unique challenges of the restaurant industry, our funding solutions align with your business cycle and seasonal fluctuations.
Quick
Access to Funds
Flexible
Repayment Options
Industry
Expertise
The Process
1
Enquiry
Complete the form in 60 seconds
2
Speak to an Expert
An expert will call you within 1 working day of your enquiry
3
Apply and Approval
We support you through the application process
4
Funding
Typically in your bank within hours of approval
Why Restaurant Business Loans
Starting from £1,000, our restaurant business loans provide food service businesses with essential financial support tailored to the industry’s unique requirements. These loans feature competitive rates and flexible repayment structures that reflect the seasonal nature of restaurant trading and high proportion of card transactions.
Restaurant business loans are specifically designed for the challenges facing the food service industry. Whether you’re managing the cash flow implications of quarterly VAT payments, dealing with unexpected equipment failures, or capitalising on expansion opportunities, our funding solutions work with your business cycle.
We can offer funding solutions that traditional lenders might not consider. This includes merchant cash advances that repay through daily card sales, asset finance for kitchen equipment that preserves working capital, and flexible unsecured loans that don’t require collateral.
However, it’s crucial to understand that different loan types come with varying terms and conditions suited to different restaurant situations.
The Perfect Finance Match
What we do
At Match Finance, we specialise in sourcing funding solutions tailored to meet your specific restaurant business needs. Our whole-of-market panel ensures that we can offer you a comprehensive range of options for restaurant business loans and beyond, guaranteeing that you receive the most suitable financial solutions.
Now more than ever, we understand the critical importance of restaurants accessing the right funding. With a passion for seeing businesses prosper and grow, we are committed to supporting your journey towards success.
Our customer-centric approach sets us apart. We aim to build lasting partnerships by consistently delivering the right funding solutions that enable you to focus on creating exceptional dining experiences for your customers.
When you partner with us, you’ll benefit from a dedicated Relationship Manager who will work closely with you to understand your unique requirements and guide you through the process of obtaining and making the most of your restaurant business loan. Trust us to be your trusted ally in achieving your business goals.
Why Choose Match Finance for Your Restaurant Business Loan
Wide Range of Options
Whether you need a large unsecured business loan to grow your restaurant, or you need a VAT loan to help with your tax bill, we have an option to suit your needs
Dedicated Team
We love to get to know our customers so we can truly understand their needs. Our team are always on hand to help throughout the process
Fast Processing
Our streamlined systems and restaurant industry expertise mean we can typically process applications within 24 hours of receiving documentation
FAQs on Restaurant Business Loans
We offer a comprehensive range including merchant cash advances (ideal for high card transaction volumes), unsecured business loans for working capital, asset finance for kitchen equipment, invoice finance for catering businesses, secured loans for major investments, and specialised corporation tax loans for managing tax obligations. Each solution is designed to address specific restaurant funding needs and cash flow patterns.
Merchant cash advances are particularly popular with restaurants as they provide upfront funding in exchange for a percentage of daily card sales. Repayments are automatically deducted from your card transactions, meaning you repay more during busy periods and less during quieter times. This aligns perfectly with restaurant trading patterns and eliminates fixed monthly payments that can strain cash flow.
Yes, our asset finance solutions are specifically designed for restaurant equipment purchases. This includes kitchen equipment, POS systems, refrigeration units, furniture, and complete fit-outs. Asset finance allows you to spread equipment costs whilst preserving working capital, with options including lease finance, hire purchase, and equipment refinancing.
Once approved, restaurant business loan funds can typically be in your account within hours. Our streamlined application process is designed with the urgency of restaurant operations in mind, understanding that equipment failures or cash flow gaps require immediate attention.
Not necessarily. We offer both secured and unsecured options. Merchant cash advances and unsecured business loans don’t require collateral, making them ideal for restaurants without substantial assets. Secured loans and asset finance use your assets to secure better rates and higher borrowing amounts.
Restaurant business loans can be used for working capital during seasonal periods, kitchen equipment purchases, restaurant renovations and fit-outs, stock and inventory management, marketing campaigns, staff costs, expansion to new locations, emergency equipment repairs, and managing VAT and corporation tax obligations.
Yes, we work with lenders who support new restaurant ventures. Whilst established restaurants may have more options available, we can find solutions for startups with solid business plans, especially through merchant cash advances and asset finance where the focus is on projected card sales and equipment value rather than lengthy trading history.
Repayment structures vary by loan type. Merchant cash advances repay through daily card sales percentages, unsecured loans typically have fixed monthly payments, asset finance can be structured as lease payments or hire purchase agreements, and our specialised VAT loans offer 3-month repayment periods aligned with your quarterly VAT cycle.
Yes, it may still be possible. We work with specialist lenders who take a holistic view of restaurant businesses. Factors like current trading performance, card transaction volumes, customer reviews, and business viability are considered alongside credit history. Our understanding of restaurant finance means we can often find solutions where general lenders might decline.
Documentation requirements vary by loan type and amount, but typically include recent bank statements, card machine transaction records, proof of business registration, and details of intended use for funds. For equipment finance, we may need quotations, and for larger amounts, management accounts or profit and loss statements. Our team will guide you through exactly what’s required for your specific situation.