Hospitality finance

Hospitality Finance for Restaurants, Cafes, Hotels and Venues

Finance commercial kitchens, fit-outs, refurbishments, vehicles and seasonal working capital while accounting for rent, labour, delivery platforms and trading volatility.

Request a finance assessment Call (02) 8313 3879

Initial discussion and assessment only. A formal lender enquiry occurs only with your consent.

  • Authorised Credit Representative
  • AFCA member 119860
  • Australia-wide lender access
  • No credit check now
Finance options

What may fit your situation

Common need

Fit-out and equipment

Kitchen equipment, refrigeration, furniture, point-of-sale and venue upgrades.

Common need

Working capital

Support stock, wages and seasonal peaks with a defined repayment plan.

Common need

Venue acquisition

Fund approved acquisition costs, goodwill and property components where eligible.

Industry credit view

How do lenders assess hospitality businesses?

Hospitality lenders focus on sustainable weekly sales, gross margin, rent, labour cost, delivery commissions and recent account conduct. A busy venue can still have weak cash flow if margins are thin.

The application should distinguish temporary disruption from structural underperformance.

  • Weekly sales and average transaction value
  • Food, beverage and labour margins
  • Lease term and rent burden
  • Licences, fit-out ownership and seasonality
Structure

Which finance structure may fit?

Use asset finance for productive equipment with a multi-year useful life. Use working capital for a measurable timing gap. Use invoice finance where eligible B2B receivables are the main source of delay. Acquisitions and property require a broader structure and more due diligence.

How it works

A clear path from enquiry to lender decision

We organise the information, test lender fit and keep the process moving.

1

Explain the funding need

Tell us what the money is for, the amount required, timing, turnover and any existing facilities.

2

Test lender fit

We check cash flow, bank conduct, security and documents before choosing a sensible lender option.

3

Package the application

We present the purpose, numbers and risks clearly so the lender can assess the deal without avoidable gaps.

4

Compare and decide

We explain the structure, total cost, conditions and trade-offs before you decide whether to proceed.

Frequently asked questions

Questions business owners ask before applying

Options may exist, but lenders usually require stronger owner experience, equity, security or contracts because there is less trading evidence.

Often yes, subject to asset age, condition, valuation and the lender’s remaining-useful-life policy.

Not automatically. Lenders assess the amount, cause, compliance with the plan and whether the new debt improves or worsens the position.

Start with identification, business bank statements, financial statements, debt schedule and evidence of the purchase, contract or cash flow need.

Keep researching
Solution

Asset and equipment finance

Match vehicle and equipment funding to useful life.

Read more →Solution

Working capital loans

Fund payroll, stock and operating timing gaps.

Read more →Guide

Application document pack

Prepare a lender-ready file.

Read more →
Talk through the options

Find the finance structure that fits the job

Tell us what you are funding, the amount required and the timing. We will explain the realistic options before you choose whether to proceed.

Request a finance assessmentCall (02) 8313 3879
Get Finance Options