Pub Finance in hospitality sector

Pub Finance Solutions – Empowering the UK’s Hospitality Sector

The hospitality industry is a dynamic and ever-changing landscape, and pubs are at the heart of it. Pubs in the UK are not only about serving drinks and food. They’re also an essential part of British culture and a hub for local communities.

Running a successful pub takes dedication, hard work, and financial stability. First Oak Capital understands the unique challenges faced by publicans. We also offer tailored finance solutions to help them grow and succeed. 

Whether you are looking to expand your pub’s seating capacity, open additional locations, or upgrade your offerings, securing the right financing is crucial. Pub finance allows you to invest in your pub’s growth and take advantage of new market opportunities.

Using a Specialist

At First Oak Capital, we specialise in the hospitality sector and understand the unique challenges faced by publicans. Our team of experts has extensive knowledge of the pub industry and can offer tailored financial solutions to help your pub thrive.

We work with a diverse panel of lenders, including high-street banks, specialist lenders, and alternative finance providers. This allows us to secure the most competitive rates and terms for your pub financing needs, ensuring that you get the best possible deal.


Rates from 3.5%

Borrow £10k – £5M

Revenue Based & Assets

12 – 84 month terms

VAT deferral available

Pub finance options

Types of Pub Finance:

Merchant Cash Advances

A merchant cash advance (MCA) is a flexible financing option. It allows you to receive a lump sum of money in exchange for a percentage of your future credit and debit card sales. MCAs are particularly suitable for pubs with strong card sales. Repayments are based on a percentage of your revenue, making them more manageable during quieter periods.

Asset Finance

Asset finance is a type of lending that allows you to borrow money against the value of your pub’s assets, such as equipment, vehicles, or property. This financing option enables you to invest in new assets, refinance existing ones, or release equity from your assets to improve cash flow or fund other business initiatives.

Term Loans

Term loans are a traditional form of financing that provide a lump sum of money to be repaid over a fixed term, typically with a fixed or variable interest rate. Business loans can be used for various purposes, such as working capital, equipment purchases, or property improvements. They can be tailored to suit your pub’s specific needs and financial situation.

Commercial Mortgages

Commercial mortgages are long-term loans secured against a property, typically with a repayment term of 15 to 25 years. These mortgages can be used to purchase or refinance a pub, fund property improvements, or release equity for other business purposes.

Merchant cash advance for pubs.


Helping Since 1994

Benefit from our 30 years of experience and expertise in commercial finance brokering

Competitive Industry Rates

Increase business growth and save money with highly competitive industry rates

Access Over 100 Lenders

You can access more than 100 lenders in the UK finance market with our help

Funding Within 48 Hours

Once approved, funding can be provided in as little as 48 hours

MCA Pub Finance

What can pub finance pay for?

Regardless of your circumstances, pub finance can cover:

  • Improvement or fit out of your bar
  • New kitchen, bar, and cellar equipment
  • Furniture and soft furnishings
  • Stock purchases
  • General cash flow purposes
  • VAT bill
  • Website design and creation
  • Vans & vehicles
  • Staff training & recruitment
  • New menus & branding
  • +More

Pub Finance Calculator

Here Is Your Finance Illustration

  • Monthly Payment :
  • Estimated Interest Rate : 5%
  • Total Amount Payable :

Get A Quote

*This interest rate is for illustrative purposes only, your interest rate may differ and will be confirmed during your application.

Credit score information

Excellent : This category is for companies with an outstanding credit rating. Your business will be profitable, well established, and have a consistent or growing turnover. With no missed payments.

Fair : This category is for companies with a decent credit rating. They have a history of making payments on time, with possibly a few missed or late payments in the past.

Poor : This category is for companies with a poor credit rating or who may have had financial difficulties in the past. This could include a County Court Judgments (CCJs) on their record.


Have Questions? Let’s Talk.

Call us today to get help securing pub finance. In addition, we would be happy to provide you with more information about our services. Call us on 0800 066 3677 or email us to get the ball rolling. Alternatively, if you’d like to get your finance approved today just click on the quote button, complete the short form and we’ll be in touch.

Matt Whiteman

I hope you found this page useful

If you still have questions about finance for your pub book a call with me..


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