Business Loans for Pubs

Running a pub or bar comes with unique financial challenges. As a pub owner or operator, you might be looking to refurbish your premises, introduce a food menu, or simply keep cash flowing through the quieter months. The problem is that the options you’re most likely aware of, like traditional business loans, often don’t fit the bill. They’re slow, rigid, and rarely built for the realities of running a hospitality business. Which is why you need funding that’s fast, flexible, and works with your cash flow, not against it.

That’s exactly what you get with 365 Finance. You get access to a merchant cash advance which provides a fast, flexible alternative to a traditional bank loan. This gives you quick access to working capital to help you manage day-to-day costs, pay suppliers on time, and stay in control of cash flow during quieter periods.

Pub owners and operators across the UK are turning to merchant cash advances for pubs and bars for financing opportunities that traditional lending often can’t support. 

Our revenue-based finance model has helped businesses like yours invest where it matters most:

1. Refurbishing tired interiors or outdoor spaces
2. Upgrading or expanding food service alongside drink sales.
3. Covering rising energy and supplier costs.
4. Running local marketing campaigns to drive footfall and promote events.
5. Purchasing or renewing a lease to secure long-term stability.
6. Converting unused rooms into guest accommodation for additional revenue.
7. Boosting working capital to stay resilient through quieter months or unexpected costs.

Running a pub is hard, especially in today’s economic climate. And the numbers prove just that. Since 2000, the UK has lost over 20,000 pubs, falling from roughly 68,000 to 45,000 today. 

The British Beer and Pub Association puts the number at about six pubs closing every week.

And the reasons for these closures are clear: soaring energy bills, rising staff costs, and changing customer preferences. To make matters worse, getting business loans for bars from traditional banks has become almost impossible, which only fuels the crisis.

High street lenders want extensive financial histories, personal guarantees, and collateral. Their application processes drag on for months. And even if approved, their fixed monthly repayments don’t care whether you’ve had a quiet Tuesday or a packed weekend.

That’s exactly why 365 Finance exists. We provide fast, flexible finance for pubs. You get the funding you need in days, not months, and we only take a percentage of your daily card sales, so repayments flex with your revenue.