Restaurant Business Loans

The funding you need, when you need it, paid back when your customers pay you. No APR, just one fixed cost from as little as 9%.

Restaurant financing to boost your business

There are over 2000 restaurants in the UK, and the amount that consumers are spending on eating out is growing. It’s a booming sector but to succeed, a restaurant owner needs to move with the times and trends. Exceptional management skills, an eye for creativity and an ability to balance the books are vital.

Due to the high level of competition, overheads and staff turnover, restaurant failure rates are significant and the industry is seen by most banks as a high risk sector. This makes it harder for restaurant owners to secure a loan. Most banks will want to see a solid business plan and record of accounts for three years; something many young businesses can’t provide.

That’s why Alternative Financing, like a small business cash advance, has become a lifeline for many restaurants. Especially if you’ve already been turned down by a traditional lender, or want to avoid riskier options like Business Credit Cards.

Alternative finance options for your restaurant businesses

If you need a cash injection fast, Liberis can provide your restaurant with a Business Cash Advance, which is a unique alternative to a bank loan. We understand that to be successful you need to invest in your business from the start and a cash advance can help you to finance:

  • New kitchen and bar equipment
  • Soft furnishings and furniture
  • Licence renewals
  • Refurbishment and repairs
  • Staff training
  • Marketing and promoting your latest offers, new menus and website design
  • Any kind of stock – food, drinks, glasses, crockery, table linen
  • Immediate cash flow to cover seasonal dips in custom

A business cash advance is an Unsecured Injection Of Cash into your business based on future credit and debit card sales. It’s repaid via a pre-agreed percentage of your business’s card transactions.

Unlike bank loans with fixed monthly payments, pay back is directly linked to your card takings: it only happens when the business earns, so it mirrors your cash flow. 

Reasons to choose a cash advance for your restaurant

Here are a few reasons why a cash advance could be your best option:

  • Apply in minutes for £2,500-£300,000
  • You pay back only when you earn – no fixed monthly payments
  • You keep 100% of your cash income
  • One clear cost,  no APR
  • No fees, hidden charges or penalties. Ever
  • Over 70% of businesses are approved
  • Quick and easy application process with minimal paperwork and no accounts required 

How it works

It’s simple and transparent. A business cash advance is an unsecured advance of cash based on future credit and debit card sales and is repaid via a pre-agreed percentage of your businesses card transactions.

Because payback is directly linked to card takings, it only happens when your business earns. And unlike many other forms of funding, company or personal assets aren’t required.

What’s more, if the cash advance takes longer to pay off, the originally agreed repayment cost remains the same. No penalties or fees are added, because there’s no such thing as late payment.

The Liberis Business Cash Advance - Designed to help SMEs
  • Funding from £2.5k to £300k
  • One fixed cost; no APR, varying terms or penalty fees
  • A quick, easy and no hassle onboarding process
  • Higher approval rates than the banks
  • Flexible and painless repayments that support cash flow
  • 80% of customers use us again
Get Approved Online In Under 5 Minutes

Get an obligation free quote and find out if you're approved online before you apply, all without impacting your credit score. It's easy!

  • We have much higher approval rates than the banks
  • You'll get a fast decision, which is usually a yes!
  • Get a price that's fair, based on the profile of your business
Get approved now

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GOV.UK
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Commercial Finance
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Registered in England and Wales No: 5654231. Address: Third Floor, Glen House, Glenthorne Road, London, W6 0NG
Liberis is a responsible financial provider. Liberis does not offer 'short-term loans'. The minimum expected duration of a Business Cash Advance is 120 days / 4 months and typical expected durations are 6-12 months. These business financing products are not consumer loans.