Stay Competitive in Hospitality with Bespoke Solutions from BEAR Finance
"We understand the rhythm of your business, the seasonal pressures you face, and the opportunities"
Running a hospitality business means juggling countless moving parts while delivering exceptional experiences to your guests. Whether you're managing a bustling restaurant, a family run café, or a vibrant pub, the financial demands of your industry are unique.
At BEAR Business Finance, we work with a wide variety of hospitality businesses including hotels, restaurants, pubs, bars, cafes and coffee shops. We understand the rhythm of your business, the seasonal pressures you face, and the opportunities that can transform your operation.
Bridging Hospitality Cash-Flow
Your business operates in a world where success often means investing before you see the returns. You need to stock up ahead of busy periods, pay staff during quieter months, and seize opportunities when they arise – like purchasing discounted stock or securing that prime event booking.
We recognise that Christmas parties, weddings, and seasonal rushes drive significant revenue, but the upfront costs can strain cash-flow. When a wedding client pays after their big day, when you need to take on emergency staff or when you need to invest in marketing ahead of the Christmas season, BEAR Finance can help.
Keep Your Best People
Hospitality job vacancies remain higher than before the Covid-19 Pandemic across the UK (according to the Office for National Statistics – ONS). The minimum wage increases introduced in April have significantly impacted the UK hospitality wage bill. Changes to employer national insurance contributions (NICs) have added further pressure, with most businesses now facing higher labour costs.
Retaining valued members of your team is vital. If you can offer better pay (paid on-time), training, or working conditions, you'll keep the team members who contribute to the success of your business.
Equipment and Infrastructure
"funding can help you achieve these upgrades."
A walk-in freezer failure during the height of the season or a coffee machine breaking down during morning service are situations that mean you can't wait weeks for financing approval.

Creating the right atmosphere with refurbishments, redecoration or a refresh of furniture is often best carried out during slower periods but cash-flow may be tight at these times. Introducing new sound systems, lighting and POS can keep your business ahead of the competition, funding can help you achieve these upgrades.
Growth and Modernisation
We appreciate that staying relevant means continuous investment in your offering. Whether you're refreshing your menu, refurbishing your front of house, or expanding your seating capacity with outdoor spaces, these improvements require capital before they generate returns. Soft-Asset finance offers a tax efficient solution for funding a wide variety of updates including fixtures, fittings, lighting, electrics, outdoor areas, kitchen equipment and even branding.

Your plans to diversify – investing in outdoor pizza ovens or acquiring a horsebox for external events – we regard as strategic investments in your business's future. We know why you need a delivery vehicle before you can offer a delivery service.
The Seasonal Challenge
"hospitality businesses must navigate dramatic seasonal variations"
Unlike many industries, hospitality businesses must navigate dramatic seasonal variations. During slower periods, you still need to pay rent, VAT, corporation tax, utilities, and retain trained members of your team. These quiet months are often the ideal time for renovations and refurbishments, but they're also when cash-flow is tightest.
We know that paying wages on time during slow periods is vital to keeping the skilled team that delivers exceptional service when busy periods return.
Stocking up ahead of your busy season is vital and bulk buying to qualify for larger supplier discounts or seizing time-sensitive offers requires capital.
Compliance and Professional Standards
Modern hospitality businesses face increasing regulatory requirements, from allergen compliance to health and safety standards. Investing in proper training, technology solutions, or professional consultation, enable you to comply with regulations and maintain your reputation.
Marketing and Events
Attending wedding fairs, investing in marketing collateral, and advertising ahead of key seasons requires upfront investment. Whether you're promoting a new menu, showcasing a refurbishment, or building an online presence through social media and Google ads, these marketing efforts drive future bookings.
Technology and Efficiency
The hospitality industry is embracing technology to improve efficiency and enhance customer experience. From advanced POS systems and booking platforms to kitchen technology that streamlines operations, these investments pay dividends in improved service and reduced costs.

We recognise that technology isn't just about keeping up with trends – it's about creating operational efficiencies that improve your bottom line while enhancing guest satisfaction.
BEAR Finance Provide Bespoke Hospitality Solutions
"bespoke and efficient financing solutions."
At BEAR Business Finance, we listen to your goals and recognise that your industry's unique challenges require bespoke and efficient financing solutions.
Ready to discuss how BEAR Business Finance can support your hospitality business? Contact us today.
WORKING TOGETHER
Simple Steps to Funding
01
Apply
It only takes a minute to get started. Fill in our simple form to check your eligibility.
02
Approval
A BEAR Finance expert will call you within 1 working hour to understand your business' finance requirement.
03
Agreement
We use our expertise and panel of lenders to match you with the right solution. All terms are clearly explained.
04
Funded
In-funds as fast as 1 hour after first contact. Your BEAR Finance expert will provide ongoing support as your business continues to grow.
BEAR Finance Solutions
Short-Term & Tax Loans
- Fast financial support when your business needs it most
- Unsecured without PG available
- Pre-approved in 2 minutes
- Competitive rates from 6.9%
- In-funds as fast as 1 hour
- Use to pay urgent Tax Bills
Term Loans
- Low rate, affordable solutions, precision matched to your business needs.
- Borrow up to £2 million
- Same-day decision up to £100k
- No early repayment fees or redemption penalties
- Unsecured without PG available
- Settle any time and ability to overpay
Consolidation Loans
- Reduce strain on cash-flow
- Lower your monthly outgoings
- Improve budgeting with one, low cost, monthly repayment
- Consolidate secured borrowing onto unsecured facilities
- Combine borrowing from multiple lenders
- Upgrade existing borrowing to reflect current financial performance
Revolving Credit Facilities
- On-demand flexible funding
- Access immediately
- Only pay interest on what you borrow
- Credit limit of up to £1 million
- Terms up to 60 months
- Approved within hours
- Control over how and when you borrow
- No fees for early repayment
- No Director guarantee option available
FUEL YOUR START-UP - WE FUND NEW BUSINESSES ACROSS THE UK
Get in touch to discover how we can secure funding for your start-up
Hard Asset Finance
- Spread large capital expenditure to reduce cash flow strain
- Low rates available with specialist funders
- Overcome budget restraints
- Benefit from annual capital allowance tax relief
- Own your asset from the start of the agreement
- Asset bolster your balance sheet
- Defer VAT for 3 months
Soft Asset Finance
- Avoid large start up or project costs
- Overcome budget restraints
- Terms from 1 - 6 years
- Start-up funding available
- Spread the cost of VAT
- OpEx payments are tax deductible
- Avoid upfront expenditure on depreciating assets
Asset Refinance
- Free up capital on assets already purchased
- Funds paid directly to your business account for immediate cash injection
- Move CapEx onto OpEx to avoid cash flow restraints
- Own the asset at the end of the term
- Tax benefits
- Utilise liquid cash tied up in tangible assets
Franchise Asset Finance
- Fund the fit-out of your new franchise
- Refurb, refresh or expand your existing franchise
- Ideal for fixtures, fittings, equipment and branding
- Preserve capital by avoiding expenditure on depreciating assets
- Achieve tax efficiencies via operational expenditure
- Spread the cost of VAT
- Invest in technology
Bespoke
Our approach is bespoke, our dedicated Finance specialists take the time to understand the challenges and goals of your Business.
Efficient
Our enhanced approval success is achieved through relationship strength and precision matching with our panel of lenders.
Accurate
Accurate in our analysis of our clients financial positioning, business modelling and market placement to ensure they are presented to the right lenders for the most successful and suitable result.
Relentless
We are relentless in our pursuit of the best possible outcome for every client, we know that critical business decisions deserve perfect financial partnerships.