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UK SMEs · Human support
Hospitality Finance

Finance that fits around hospitality's seasons

You carry the same fixed costs in January as December. We offer funding where repayments move with your actual trade.

Fixed overheads through quiet months when revenue drops sharply
Refurbishment costs that can't wait for a busy season
Equipment breakdowns with no cash reserve to replace quickly
£750k
Largest facility
30%
Avg revenue drop off-peak
48hrs
Emergency equipment funding
The cash-flow problem

Busy season funds quiet months. Unless you run out first.

Peak season revenueNovember–December, summer
Strong income
Fixed costs continueRent, staffing, utilities — unchanged
Full outgoings
Off-peak revenueJanuary–March drops 30–50%
Income drops
Refurb timingBest done quietly — worst time for cash
Timing mismatch

Restaurants, pubs and hotels see dramatic revenue swings — but rent, staffing and supplier costs barely move. January and February can wipe out the Christmas surplus in weeks.

Relevant products

Finance matched to how hospitality businesses operate

Revenue-Based Finance

Best fit

Repayments tied to monthly card takings — quiet January means a lower payment automatically.

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Unsecured Loan

Refurb & fit-out

Lump sum for kitchen upgrade, bar replacement or dining room refurb. Fixed repayments over a set term.

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Asset Finance

Equipment

Ovens, refrigeration, EPOS, coffee machines — spread cost across working life rather than buying outright.

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Common scenarios

Where hospitality businesses use us

01

Surviving a quiet quarter

January has hit hard. Revenue-based finance with repayments that drop with trade.

Revenue-Based
02

Refurbing between seasons

Fund the fit-out now, repaid over the busy months ahead.

Unsecured Loan
03

Emergency equipment failure

Main refrigeration failed mid-week. Asset finance in 24–48 hours.

Asset Finance
04

Opening a second site

Fit-out capital to get from lease signing to opening day.

Unsecured Loan
Real hospitality business

What our clients say

""We'd been turning down the opportunity to take on a second site because we didn't have the fit-out capital. Capital24-7 arranged an unsecured facility in four days. We opened three months later.""

AL
Anna L.
Restaurant group, London
Second site open in
3 months
Ready to get started?

Let's find the right funding for your business

No credit check. No commitment. A clear picture of your options, explained honestly.

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