Smart financing for the hospitality sector

Drawing on our expertise across real estate and trading businesses, OakNorth is the perfect partner for hospitality firms looking to address a range of funding needs. 

Business finance built for the hospitality sector

From converting offices into hotels to helping pub operators expand their reach, we’re passionate about bringing hospitality projects to life. Whether it’s a business loan to buy a restaurant or hotel – or finance to renovate an old one, we’ve got years of experience working across acquisitions, refurbishments and other hospitality developments.

We’ve helped a wide range of businesses achieve their growth goals, with bespoke debt finance. Property financing starts from £250,000, and working capital loans start from £500,000 – both go up to tens of millions.

Not sure which loan you need? We offer working capital, bridging loans, revolving credit facilities, umbrella facilities and more. Find out which is the right fit for you in our guide to UK business loans.

Financing hospitality from end-to-end

When you need one loan to acquire and develop a site and then another facility to operate it, things can get complex quickly.

We design our offering around your needs, so you can buy, develop and operate all under one facility.

Backing transformative projects

If you want to expand your portfolio of hospitality businesses, it’s vital to find a partner with a strong track record of financing transformative projects.

We have years of experience helping operators upgrade their existing properties, along with providing the resources to acquire, refurbish and convert others.

Multiple possibilities under one umbrella

We know that developments in the hospitality sector rarely start and end with a single project.

That’s why we provide umbrella facilities to support repeat development projects and the acquisition of new assets to add to your existing portfolio.

Flexible security packages

Our granular understanding of each business means we can identify potential for growth, then create personalised terms to reflect your trajectory.

As a result, we’re not tied to rigid security packages – and we can work to build a loan structure that makes sense for your business.

750 +

developers supported to date

40000 +

UK jobs created to date

How are we making a difference?

We’re interested in projects that have real impact. From reimagining iconic landmarks to transforming local areas, we’ve partnered with some of the best and brightest in the UK hospitality industry to create developments that last. 

Meet Mark, Executive Chair of Brasserie Blanc

Our approach to lending means that we’ve been able to give support throughout the pandemic, allowing them to grow even stronger than before.

View transcript

A long time ago, I worked for TGI Fridays, and they gave me a boss that liked me even less than I liked him. Only one person wins that, so I left and went off with some friends and we built a small pub company. When we built it up to about 20 units, we then sold it on and at that point, I went on holiday for a year and a half, came back and started a business called Loch Fyne, which developed Brasserie Blanc, which was our original Brasserie business. And then later on, when we sold Loch Fyne, we kept Brasserie Blanc and continued to develop it.


Well, it’s had its challenges during the various lockdowns, but it’s remarkably successful. We met OakNorth in about 2014-2015 and that was the beginning of the relationship and we’re still there now.


The truth of our original relationship with them was that the clearing banks were not as generous in the amount that they would loan to growing businesses. So, in the discussion with OakNorth, they were prepared to go a little bit further in terms of how much leverage they put in the business and how much money they’d loan to it so we got together. We’ve always enjoyed a good relationship- it’s simpler with OakNorth to get going. It allowed us to get to where we wanted to be in a more timely fashion.


When went into first lockdown, the business has a £6.7 million gap and we needed to find a way of filling it. We went to the bank and negotiated with them, and they did a fantastic job. So we came out of the pandemic stronger than we were when we went in.


The company was then recently acquired and as it would happen they were with OakNorth. And so we’ve continued with OakNorth at a point where they could have been paid out completely and moved up. All of those things are a credit to the bank.


I do recommend OakNorth. There’s a number of reasons but the relationships are good, we like the guys over there. We’ve been with them for eight years,  we’ve got faith in each other.


Serving up a storm with UK hospitality businesses

Tailored finance to help your hospitality business grow

We’re entrepreneurs at heart, so we build our hospitality loans with business owners front and centre. That means no inflexible and inefficient finance facilities, no-time wasting, and no ambiguity. Just straightforward funding without giving up equity.

Get funded faster


When you find the perfect place for your next pub, hotel or restaurant development, being held up by your bank can be frustrating.

With OakNorth, funds can be with you in a matter of weeks, so you can get started on your project without delay.

Get started

We were impressed by the pragmatic manner and speed in which the team operated, which is not like anything we’ve experienced with other lenders.

Paul Vezolles, Founder & President of Chatham Park Development

Tailor your finance to your future


Although you might begin with a property development or an acquisition, projects in the hospitality space are likely to progress into other activities that require funding too.

With OakNorth’s bespoke facilities you can steer clear of all the issues that come with project-by-project financing.

Get started

The team at OakNorth were able to put together a bespoke deal structure, enabling us to acquire the site and develop the new hotel all under one facility. This has saved us a huge amount of time and hassle.

Daren Burney, Founder & Managing Director of Burney Group

Meet key decision makers


We don’t make decisions based on outdated financials or hide behind credit teams.

With OakNorth, you can speak directly to all the key decision makers and if you’re borrowing over a certain amount, you can even meet our Credit Committee.

Get started

We have very much enjoyed OakNorth’s entrepreneurial approach, from speaking directly with their Credit Committee to the speed at which they were able to deliver the financing package, as a result of direct access to decision makers.

Al-Karim Nathoo, Managing Director, 4C Hotel Group

Reach success with the right people


OakNorth is a bank founded by entrepreneurs, for entrepreneurs.

Everything is rooted in this business mindset, so we know what it takes to help determined hospitality operators thrive.

Get started

We found their entrepreneurial and commercial approach refreshing, and appreciated the time they took to understand our business. There were no off-the-shelf solutions or computer-says-no decisions. s

Haim Danous, Director of Thai Square Hotel


Fund your next move today

If you have a clear vision for growth in the hospitality sector, we can make it happen. Speak to a member of our team and we’ll help you kickstart your next move. 


The cost of your loan is based on what kind of borrower you are, or your risk profile, which depends on factors like credit history, industry sector and more. We focus on speed, flexibility and competitive terms over price.

Unlike many other high street banks, we won’t make you transfer your business banking over to us, so you can apply for a loan quickly and easily.

Depending on factors like your business’ risk profile and what you need the funding for, we can provide amortising loans, where you gradually pay off your debt with regular payments, as well as non-amortising loans, where you pay off the loan in a lump sum.

Our team will ask you about your requirements, then work with you to design something truly bespoke – so you can acquire and refurbish a site all under one facility, for example. 

We have years of experience helping businesses avoid the pitfalls of project-by-project financing. Our umbrella facilities allow for multiple projects and the acquisition of new assets, so you can deliver projects more quickly and reduce costs.