Specialist lending solutions for restaurants, cafes, hotels, pubs, and tourism operators. We understand seasonal cash flows and the unique needs of your industry.
Dining establishments
Accommodation
Licensed venues
Tours & experiences
Hospitality businesses face unique financing challenges. Our 12+ years banking and accounting experience background means we know how to structure solutions that work.
We structure facilities that flex with your peak and off-peak trading patterns.
Income assessment that recognises hospitality revenue patterns and peak periods.
Finance structured around lease terms and renewal options for venue security.
Lenders who understand hospitality valuations and goodwill components.
Comprehensive lending solutions tailored to hospitality and tourism businesses.
Finance to purchase existing hospitality businesses including goodwill and assets.
Fund complete venue fitouts, renovations, and refurbishments.
Fund commercial kitchen equipment, furniture, and hospitality assets.
Manage seasonal cash flow gaps and operational expenses.
Commercial property finance to purchase your venue's freehold.
Fund business growth, new locations, and franchise opportunities.
Specialist finance for all types of hospitality and tourism operations.
Fine dining, casual, fast casual
Specialty coffee, brunch spots
Hotels, wine bars, clubs
Boutique, chains, B&Bs
Day tours, adventure, cultural
Events, corporate, weddings
Takeaway, food trucks, kiosks
Wineries, cooking schools
Hospitality and tourism businesses experience significant seasonal fluctuations. We structure finance that works with your trading patterns, not against them.
Higher repayments in peak season, reduced payments during quieter periods.
Access funds before peak season to stock up and prepare for busy periods.
Maintain cash flow during slower months without stress.
Comprehensive funding for all aspects of hospitality business acquisition and operation.
Business reputation, customer base, brand value
Kitchen, bar, coffee machines, POS
Interior design, fixtures, renovations
Initial inventory, beverages, supplies
Property purchase, commercial premises
Cash flow, wages, operating expenses
Liquor licences, permits, approvals
New locations, franchise fees
From initial enquiry to funds in your account, we make hospitality finance straightforward.
Discuss your business, goals, and finance requirements with our specialists.
We review your financials and identify the best lenders for your situation.
We prepare and submit your application with a compelling business case.
Funds released and you're ready to grow your hospitality business.
Answers to frequently asked questions about hospitality and tourism finance.
Yes, most hospitality businesses operate from leased premises. We work with lenders who understand lease structures and can finance based on your lease terms and renewal options.
Hospitality goodwill is typically valued as a multiple of normalised earnings (EBITDA). Lenders will review historical trading, customer base, location, and growth potential.
Typically 20-40% equity contribution is required for business acquisitions. This can include cash, existing business equity, or property security. Each deal is assessed individually.
Absolutely. We specialise in seasonal businesses and structure facilities with flexible repayments that align with your peak and off-peak trading patterns.
Lenders prefer some industry experience, but it's not always essential. Management experience, business acumen, and strong due diligence can offset limited hospitality background.
Typically 2-4 weeks from complete application to approval, depending on deal complexity. We can expedite urgent deals where required.
Book a consultation to discuss how we can help you acquire, expand, or refinance your hospitality or tourism business.
