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Finance for Pubs, Hotels, Restaurants & Leisure

Bringing Your Dreams of Business Ownership to Life

The sector is often quick to react to the ups and downs of the wider economy. There is usually a number of Leasehold and Freehold properties coming onto the market, many at reduced prices.

HCP Finance are well placed to help clients to fulfil their dream of business ownership when they enter the Pub Restaurant and Leisure world.

Our specialists can also assist “tied” Leaseholders to acquire the Freehold of their current properties. Well established and profitable businesses are always very welcome.


Key underwriting requirements for Pub, Bar, Hotel and Restaurant Finance:

  • Demonstrable Business Experience in the sector.

  • Deposit funds available at circa 30% of the freehold business purchase price.

  • Additional security may be acceptable in lieu of full deposit funds.

  • Stock funding and working capital to be available (VAT Bridging Loans available).

  • Special arrangements provided for established sitting tenants in a profitable business.

  • Trading accounts with proof of mortgage affordability from net profits are a key requirement.

  • Pubs ideally need a balanced ‘wet / dry’ revenue mix.

  • Solid, demonstrable business plan and cash flow forecast.


If your business plan and personal experience hold up and you have the drive and commitment to enter this sector then we invite you to consult the Pub Finance and Leisure Sector specialists.


Please call us today to see how we can help or submit an enquiry and we will contact you. Our advice is given freely, in confidence and without obligation.


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