Pub Finance.
For sole traders
& partnerships

  • Terms from 3months – 6 years

  • Borrow £10,000 – £2,000,000

  • Fund refurbishments & new equipment

Portman Financial Services

Pub Finance – working capital and equipment finance

Since 2008 pubs have been declared ‘high risk’ by traditional lenders and as a result, owners have found it harder to receive finance and loans to support their business. However, at Portman we are able to offer financial solutions specifically designed for pub landlords who operate as sole traders or partnerships. Our solutions range from loans, to cash advances, or asset finance for equipment and refurbishments. As both a broker and a lender, we can offer you fast and flexible pub finance, which can be used to cover any dips in cashflow, revamp your interior or guest rooms, landscape your outside areas or fund any other project you have in mind.

Portman make it simple

How do I get a business loan?

Whether you’re a finance pro or just want to get on with serving your customers, your dedicated account manager will guide you through the process, searching the market, structuring your proposal and completing applications on your behalf.


1. Register your interest

Simple enquiry form, does not affect your credit score.


2. A quick chat

A dedicated Account Manager will call to discuss your goals, your situation and request appropriate documents.


3. We approach our funders

We use our panel to find the best funding options, complete proposals and make applications.


4. If accepted, your funds are released

If the applications are successful and you accept, funds are quickly released.

Enquire today

Loan types available to pubs in the UK

At Portman we can offer a range of pub loans designed to suit you:


Finance solutions for micro, small or large pubs:

Business loans:
A business loan is the traditional form of financing your pub, with you repaying your loan on a monthly basis with interest (for a fixed period of time). Upon receiving a lump sum in your bank account within a few hours, you are able to use this funding for whatever you feel your pub needs, e.g., covering your operational costs or refurbishing your interior. While asset finance could be best for your equipment purchases, business loans are best suited to cashflow concerns, covering gaps in staged payments or instances where you have a number of things to pay for. At Portman, we have finance available from £10,000 over terms ranging from 3m to 6 years.

Merchant cash advances:
If your business is seasonal, merchant cash advances are ideal as they allow you flexibility when paying your loan back. Rather than through monthly repayments, how much you repay is proportionate to your takings. If your business is flourishing one month, you repay more. If you are having more of a slower month, take it easy and pay less. To make things easier, card sales can also be considered security to your lender. No additional complicated security is required so you are able to receive funding for your pub as quickly as possible.


Asset Finance: Equipment lease and hire purchase
For landlords looking for bigger equipment purchases such as vehicles, brewing apparatus or kitchen equipment, asset finance is a great option. With asset finance, you avoid paying the upfront cost of large purchases and are able to spread this across affordable monthly payments. Get what your pub needs to continue operating, grow or capture new opportunities, while making monthly repayments and generating revenue. Asset finance usually takes one of three forms, lease finance, hire purchase, or equipment refinance.

Smart landlords opt for asset finance when buying equipment as its typically much cheaper than a loan. Buying business assets offer reduced risk to lenders meaning rates are generally lower when compared to a straightforward cash injection.

Equipment refinance:
As a form of asset finance, equipment refinancing allows you to sell and lease-back assets of high value, assets your pub already owns or have recently purchased which can then boost your cashflow. If you have a recent purchase and wish you had used finance to spread the cost and retain your free cash, send us the invoice and we can look at a refinance arrangement where a proportion of the value of the asset can be released to you as cash on a finance agreement, whilst you retain use of the asset.


What can pub finance pay for:

Cashflow is vital for the hospitality sector. Working capital can help support you during slower seasons or allow you to invest in your pub’s growth – helping you put life back into your business.

Invest your funds however best suits your business:

  • Refurbishment of the interior or guest rooms
  • New kitchen or bar equipment
  • New EPOS, technology, security or CCTV
  • Hiring additional or seasonal staff
  • Marketing, a new website or app
  • Paying unforeseen tax bills
  • Expansion or landscaping
  • Boosting cashflow


How do I choose the right finance option for my pub?

Pub finance can be daunting to navigate on your own, however, we will personally assess your circumstances and recommend options tailored to you.


Why fund my pub with Portman?

But why should you choose these financing options from Portman Financial Services?

The answer is simple. At Portman Financial Services we are focused on serving the needs of sole traders and small partnerships like your pub and have been doing so for thousands of other businesses since 2007.

This dedicated business is part of the Portman Finance Group which raising over £1 billion in funding for UK SMEs.

  • We take the time to truly understand your business and what you need, ensuring we secure the right funding for you.
  • As both a broker and a lender, we can offer financial options that others cannot.
  • We will do our best to help even if you don’t have a strong credit history.
  • We promise you will have one point of contact from start to end.
  • We provide solutions quickly, sometimes within hours.

We can offer assistance for most types of assets and purposes for your pub.

Let our experts find affordable funding for you

Register your interest

A professional, personal service every time

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Excellent service

A very straight forward, and super speedy, service. We were assigned to Andrew and he really could not have be more professional and helpful. He took time to understand what we were looking for and based on that came up with the best possible route. Highly recommend!!

Lottie Elmehagen
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Worked hard to find the right deal

Rob worked hard to find the right product for me and get everything in place. He gave some good advice with regards to the products on the market. Very happy with the service and the regular updates.

Tony Lewis
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Simple process with quick turnaround

Portman, and Jack in particular, were easy to deal with and helped with some medium term funding requirements. The whole process was fairly straightforward and needed little work on our part. Definitely recommend.

Mel Wright
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Excellent service from Portman

I have used Portman Asset Finance before and I was pleased with the service I received the first time. When I contact them this time I spoke to Daniel Cooper who was really helpful and kept to his word and promises. I can not fault the service I received and I would highly recommend them. Much better than HSBC who I bank with.

Ross Wilkins

Excellent / 500+ reviews