Email Address :- akram@stgeorgecommercial.co.uk
Hotel Finance
Hotel Finance
Hotel Finance
At St. George Commercial Finance Brokers Ltd., we specialise in arranging bespoke hotel finance solutions for both first-time buyers and seasoned operators. Whether you are purchasing an independent boutique hotel, acquiring a franchise, refinancing an existing property, or funding refurbishment and expansion, our team is here to support your vision.
We understand the unique cash flow and operational demands of the hospitality sector. That’s why we work with a broad panel of mainstream banks, challenger lenders, and specialist hospitality funders to secure flexible terms, competitive rates, and tailored repayment structures.
Our hotel finance services include:
Acquisition Finance – Funding to purchase freehold or leasehold hotels.
Refinancing – Release equity or reduce monthly repayments.
Development & Refurbishment Finance – Capital for upgrades, rebranding, or new builds.
Bridging Finance – Short-term loans to secure fast acquisitions or resolve time-sensitive opportunities.
We also assist with financial planning, business performance analysis, and lender presentation to improve approval success.
With St. George, you benefit from personalised service, market insight, and a strong track record of helping clients unlock the full potential of their hospitality investments.
What is the criteria for Hotel Finance ?
-
Experience in Hospitality Sector
Lenders prefer applicants with prior experience running or managing hotels, guest houses, or B&Bs. First-time operators may need a strong management team or business plan.
-
Deposit / Equity Contribution
Typically, a minimum 30–40% deposit is required for purchases. For refinancing, lenders assess existing equity and debt serviceability.
-
Profitability & Business Performance
Lenders will assess the hotel's trading accounts (usually last 2–3 years), occupancy rates, and net operating profit. Strong performance boosts loan terms.
-
Property Type & Location
Freehold hotels in viable trading locations (e.g. tourist hubs, cities, transport corridors) are preferred. Leasehold options may be considered case-by-case.
-
Creditworthiness of Borrower
Applicants must show a clean credit history, realistic projections, and repayment ability, either from hotel income or other business/investment income.
Testimonials
"Securing funding for our boutique hotel renovation seemed impossible until we contacted St. George. Their team found the perfect lender and made the process seamless from start to finish."
"The speed at which St. George arranged bridging finance for our coastal guesthouse purchase was incredible. Without them, we would’ve missed the opportunity entirely."
"We were struggling with high monthly repayments on our hotel loan. St. George refinanced our property with better terms, saving us thousands annually."
Need Assistance ?
Whether you need assistance with financing or have a question about our services, our team is here to support you.
- 01273 855 711
- akram@stgeorgecommercial.co.uk