Business loans for Restaurants

Borrow £1,000 – £500,000 for 1 day to 2 years with our flexible business loans.

24 hours to get a decision

Easy Application

No fees for repaying early

Hassle Free

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Our Flexible Finance Option What Can We Offer You?

If you’ve been turned away by the bank in the past, or you’re concerned that your business won’t qualify for a bank loan, we offer an alternative funding solution which is fast, flexible and cost-effective.

With our Business Loan your restaurant can access between £1,000 – £500,000 in unsecured business funding, within just 24 hours. You don’t need to provide a business plan or valuable assets to be accepted and there are no fixed repayment amounts or periods. Pay back simply, using an agreed percentage of the loan.

Funding your restaurant has never been simpler.

Overview of Restaurant Business Loans

Restaurant business loans are crafted to aid in the growth and success of various dining establishments, including bistros, takeaways, fine dining, and fast-food restaurants. They offer a lump sum payment that is repayable in monthly installments, including interest, providing flexibility in how the funds are used within the business.

The Importance of Competitive Edge

The UK restaurant industry, now worth over £39 billion, has shown significant growth. The average household spends about £19 a week at restaurants and cafes, despite the decline of high street shops. This growth presents a unique opportunity for restaurant owners to carve out a niche in this booming market.

Utilization of Restaurant Business Loans

Enhancing the Restaurant Experience

Funds can be used for:

  • Purchasing new kitchen equipment
  • Refurbishing and expanding premises
  • Buying stock in bulk
  • Overhauling the restaurant’s interior
  • Emergency repairs and covering quiet periods

Qualifying for a Restaurant Business Loan

Eligibility criteria vary by loan type but typically include:

  • Minimum of three months in operation
  • Registered as a UK business (limited company, LLP, or sole trader)
  • Possessing a UK bank account
  • Annual turnover of at least £10,000 for unsecured loans


Q: What factors should I consider when choosing a type of restaurant business loan? A: Assess your restaurant’s financial needs, risk tolerance, and repayment capability. Choose between secured, unsecured loans, merchant cash advances, or invoice financing based on these factors.

Q: Can I obtain a restaurant business loan with bad credit? A: Yes, though options may be limited. Focus on improving your credit score and explore alternative financing solutions that cater to businesses with less-than-perfect credit.

Q: How quickly can I access funds from a restaurant business loan? A: The speed of fund access varies, with unsecured loans typically offering quicker disbursement. Ensure you understand each loan’s terms and how they align with your business’s cash flow needs.

Find the right loan for your business

  • Loans from £1k to £500k
  • No fixed repayments
  • No collateral needed

Will You Qualify For A For Kredit Loan?

There are four main criteria for qualifying for a For Kredit loan.

If you can answer yes to all of these, then you have a good chance of being approved.

You’re a director with a UK address

You’ll also need the relevant documentation to prove this – a passport or a birth certificate are fine.

You’re a UK limited company or limited partnership

We only work with UK businesses.

You have a turnover of at least £10k

We can accept applications from all businesses (no matter the age or industry)

You have been trading for over 6 months

Your business must be at least 6 months old to be accepted.

A Simple Application Process

  • Apply online in 5 minutes

    Decide how much money you need to borrow and fill the online application with all your details.

  • Approval in just 24 hours

    Once your business loan has been authorized, you have the flexibility to transfer the required amount to your bank account. The funds will be deposited into your account within just a few hours.

  • Borrow up to 2 years

    How you pay back your business loan depends on your situation. If you want to pay it back early, there won't be an extra fee.

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