Pub Finance - Fleximize

Pub Finance

Whether you’re buying a pub, managing cash flow, or upgrading your premises, our pub and bar finance options can help you achieve your goals.

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Swift approval Swift approval
Borrow £10,000 to £500,000 Borrow £10,000 to £500,000
0.9% to 2.9% p/m 0.9% to 2.9% p/m
3 to 60 month terms 3 to 60 month terms

Pub financing

Looking to invest in a pub, expand your bar, or cover unexpected costs?

Fleximize offers fast and flexible pub finance solutions tailored to your needs. Whether you’re buying a pub, managing cash flow, or upgrading your premises, our pub and bar finance options can help you achieve your goals.

Swift approval Swift approval
Borrow £10,000 to £500,000 Borrow £10,000 to £500,000
0.9% to 2.9% p/m 0.9% to 2.9% p/m
3 to 60 month terms 3 to 60 month terms

What is pub finance?

Pub finance is a type of business funding designed specifically for pub owners and bar operators.

Whether you need finance to buy a pub, cover operational costs, or expand your business, a pub loan can offer the capital to help you succeed. Traditional lenders often consider pubs and bars high risk, but alternative lenders like Fleximize offer more flexible solutions with faster approvals and fewer restrictions.

Apply online

Apply online

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Receive your funds

Receive your funds

Is investing in a pub a good idea?

With over 45,000 pubs in the UK, pubs have long been a staple of British culture, offering a place for communities to come together.

Investing in a pub can be a profitable venture, but it requires careful planning and financial management. Some factors to consider include:

Many successful pub owners find that securing the right pub finance solutions early on can make a huge difference in long-term profitability.

Can you run a pub with bad credit?

If you have a poor credit history, securing traditional business loans for a pub can be difficult.

However, at Fleximize, we look beyond just your credit score. We assess the overall health of your business, cash flow, and potential for growth. Even if your credit isn’t perfect, you may still qualify for pub finance or bar loans with us.

Apply for pub finance


Why choose Fleximize for pub finance?

Running a pub or bar comes with unique financial challenges, and we understand that.

Whether you need funding to cover daily expenses, grow your business, or renovate your premises, our pub finance solutions offer a hassle-free way to access the capital you need.

Here’s why pub and bar owners choose us:

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What can pub finance be used for?

Owning a pub or bar means managing costs while keeping customers coming back. Our pub finance can be used for:

How much do pub loans cost?

The cost of pub finance varies depending on the loan amount, term length, and your business profile. Our pub business loans start with interest rates from 0.9% per month. Unlike some lenders, we charge interest on a reducing balance, which can significantly lower your overall costs. Plus, our Penalty-Free Promise means you can settle early and save on interest payments.

Every loan is different, so check out our business loan calculator or call our team at 0207 100 0110 to get a tailored quote.

Our Flexiloan product is available to businesses trading for at least 12 months over a 12-60 month term.

Interest
£8,460.08
Total Repayment Amount
£58,460.08
Monthly Repayment
£3,247.78

Our Penalty-Free Promise means you won’t be charged extra for repaying early.

Find out just how much you could save through early settlement by adjusting the month of repayment in this section.

Your Loan Quote Summary
Full Settlement At
Total Repayable at Agreed Term £58,460.08
Total Repayable if Repaid Early £56,122.84
Interest Saving £2,337.25

Our Flexiloan Lite product is available to businesses trading for at least 6 months over a 3-12 month term.

Interest
£3,472.16
Total Repayment Amount
£33,472.16
Monthly Repayment
£4,184.02

Fleximize is committed to its penalty-free promise for customers repaying early.

Find out just how much you could save through early settlement by adjusting the month of repayment in this section.

Your Loan Quote Summary
Full Settlement At
Total Repayable at Agreed Term £33,472.16
Total Repayable if Repaid Early £32,476.26
Interest Saving £995.90

How to apply for pub finance

Getting started with your pub finance application couldn’t be easier:

The benefits of choosing Fleximize for pub and bar finance

We’ve provided over £550 million in funding to UK businesses and have been recognised as the Best Business Finance Provider at the Business Moneyfacts Awards for three years running. Our Excellent Trustpilot rating and client success stories show how we’ve helped pubs, bars, and other hospitality businesses grow.

Ready to secure funding for your pub or bar?

If you’re looking for pub finance solutions, whether to buy a pub, improve cash flow, or expand your business, we’re here to help. Call us at 0207 100 0110 or apply online today to see how our pub and bar loans can support your business.

Apply for pub finance


Your common questions answered

Yes! Unlike traditional banks, we look at more than just your credit score. If your pub or bar has a strong business model and meets our eligibility criteria, you have a good chance of securing funding.

If you’re wondering, ‘What does pub stand for?’ – the word ‘pub’ is short for public house.

Pubs have been a central part of British culture for centuries, offering a space for people to gather, eat, drink, and socialise. Whether you’re running a traditional pub, a modern gastropub, or a late-night bar, securing the right pub finance can help you maintain a thriving business.

A pub tenancy agreement allows you to rent a pub from a brewery or landlord instead of buying one.

In most cases, you’ll be responsible for day-to-day operations, stock purchases, and staffing, while the property owner handles building maintenance. Leasing a pub can be a more affordable way to enter the industry without the high upfront costs of buying a pub outright.

Pub leases vary, but they typically last between five and 25 years.

Short-term leases offer flexibility, while long-term leases provide stability. Before signing a lease, consider factors such as rent costs, maintenance responsibilities, and supplier agreements. If you need funding to cover upfront lease payments, pub finance can help.

Do you have a question that you can't see? Check out our FAQ page.