Pub Finance: Business Loans For Pubs and Bars

Yes, absolutely. Your experience level isn’t what matters most. What matters most to us is to see that you’re trading successfully. What this means is that, for you to be eligible, you must be making at least £10,000 per month in card sales and have been trading in the UK for at least 6 months. So, whether you’ve recently taken on your first pub or bar, or you’re an experienced licensee, we assess applications based on your current business performance and card transaction history rather than your personal history in the industry. In fact, many first-time pub operators have successfully secured business loans for pubs and bars through 365 Finance, whether that’s for bar equipment financing, refurbishments, or working capital.

Our pub finance solutions are flexible and can be used for virtually any legitimate business purpose, including refurbishments, renovations, and pub equipment financing. We don’t restrict how you use the money, we trust you to invest it where your business needs it most. In the past, pub owners have used our funding to transform interiors, upgrade kitchen equipment to add food service, convert spare rooms into guest accommodation, install outdoor dining areas, or simply boost working capital during quieter months. To clarify, the application process remains the same regardless of your intended use, and you’ll receive the full amount to deploy as you see fit.

Yes. However, we don’t offer separate “stock loans” or “working capital loans”. 365 cash advance is one flexible funding solution that you can use however your business needs it. Whether that’s purchasing drinks for your inventory, covering supplier invoices, managing payroll during slower periods, or building up stock ahead of busy seasons, the choice is entirely yours. The best part? Our revenue-based repayment model is designed so that you’re not stretched thin when paying back the loan while simultaneously trying to maintain stock levels. How? Well, repayments adjust to your daily card takings, so you always have room to breathe.

In many cases, yes. If you’ve taken on debt or a high-interest merchant cash advance that’s putting pressure on your cash flow, our pub business loans can help you consolidate what you owe into a single, manageable repayment. Refinancing can make day-to-day money management easier by replacing multiple repayments with one revenue-based arrangement that moves in line with your sales, helping you maintain a healthier cash flow. That said, eligibility depends on your specific situation and any existing agreements you may have. The best way to know for sure is to speak with our team. We’ll take a look at your setup and help you decide whether refinancing is the right move for your business.

We take a realistic approach to credit history. We typically run soft credit checks as part of our assessment, because we don’t need or expect perfect credit scores. We also understand that many pub and bar owners have faced tough times, especially in recent years, and we focus on how your business is performing now rather than what happened in the past. Our main requirements are simple: you must have been trading for at least six months, take a minimum of £10,000 per month in card sales, and process payments via card transactions. We look at your recent trading figures and card payment data to assess affordability, which means we can often approve applications that traditional banks would turn down.

Definitely. If your pub or bar has more than one director or partner, all relevant people can be included in the application. It’s not classed as a joint application since the funding goes under a business name, but everyone involved in running the business can still be part of the process. In some cases, we might even recommend this. For example, if the main applicant is young or has limited credit history, we may ask another director to be added to help strengthen the application and improve the chances of approval.

Absolutely. In fact, this is precisely why our revenue-based finance model exists. Traditional business loans for pubs often create problems for seasonal businesses because they demand the same fixed repayment regardless of your takings. 365 cash advances for pubs and bars work differently: we only take an agreed percentage of your daily card sales, which means repayments automatically adjust to your revenue. If you operate a beer garden that’s packed in summer but quieter in winter, or you’re in a tourist area with distinct peak and off-peak seasons, our financing for pubs flexes with these fluctuations. How? Well, you pay more when you earn more, and less when trade is slower. This makes our funding particularly suitable for businesses with variable or seasonal income patterns.