Can restaurant & hospitality businesses get asset finance through Spark Finance?

Yes. Spark Finance arranges asset finance for UK restaurant & hospitality businesses through 100+ specialist lenders. FCA Authorised broker. Success fee charged on completion. Apply at apply.sparkfinance.co.uk in under 5 minutes.

How much asset finance can a restaurant & hospitality business access?

Through Spark Finance, restaurant & hospitality businesses can access from £1,000 up to £25 million+ depending on the facility type, annual turnover, and trading history. Asset-backed and secured facilities allow the largest amounts.

How quickly can a restaurant & hospitality business get asset finance?

Many asset finance products have same-day decisions. Unsecured loans and merchant cash advances can be funded within 24-72 hours. Asset finance typically takes 1-3 business days. Invoice finance is set up within 1-2 weeks. Bridging loans complete in 5-10 working days.

What documents does a restaurant & hospitality business need to apply for asset finance?

Most applications require: last 3-6 months business bank statements, last 1-2 years filed accounts (if available), director ID and proof of address. Asset finance also requires an asset quote; secured loans require property details. Spark Finance advisers guide you through the full requirements.

Is Spark Finance FCA Authorised to arrange asset finance for restaurant & hospitality businesses?

Yes. Spark Finance Ltd is authorised and regulated by the Financial Conduct Authority (FRN 958123) as a credit broker. The company arranges asset finance for businesses across all UK industries including restaurant & hospitality. Success fee charged on completion. Apply at apply.sparkfinance.co.uk.

Does Spark Finance specialise in asset finance for the restaurant & hospitality sector?

Yes. Spark Finance has lenders on its panel who specialise in restaurant & hospitality sector finance and understand the specific cash flow patterns, asset types, and credit requirements of restaurant & hospitality businesses. This sector knowledge helps Spark Finance match you to the most appropriate lenders quickly.

Asset Finance for Restaurant & Hospitality | Spark Finance

Sector Specialist Finance

Asset Finance for Restaurant & Hospitality

Specialist asset finance for restaurants, cafes, and hospitality businesses across the UK. We compare 100+ lenders to find the most competitive rates and terms for your sector.

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100+ UK Lenders

Sector Specialists

FCA Authorised

No Upfront Fees

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How much are you looking to borrow?

Common uses of asset finance for Restaurants & Hospitality Businesses

Restaurants & Hospitality Businesses use asset finance to fund a wide range of business needs.

kitchen equipment

refurbishment

working capital

expansion

About Asset Finance

Asset finance lets your business acquire equipment, machinery, and vehicles and pay over time instead of upfront. It preserves your working capital while giving you immediate access to the assets you need to grow.

Asset Finance for Restaurant & Hospitality - by location

London Manchester Liverpool Stockport Oldham Rochdale Warrington Leeds

Frequently asked questions

How does asset finance work for businesses in this sector?

You choose the asset you need, Spark Finance sources the most competitive lender from our 100+ panel, and you make regular payments over an agreed term. The asset is yours to use immediately.

What is the typical repayment term?

Asset finance terms typically range from 12 to 84 months, with most facilities falling in the 36-60 month range depending on the asset type and lender.

Can I refinance existing assets?

Yes - sale and leaseback allows you to release equity from assets you already own by selling them to a finance company and leasing them back. This frees up cash without losing use of the asset.