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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.
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
Get a decision
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:
- Location
- Customer base
- Running costs
- Competition
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.
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:
- Pub and bar loans from £5,000 to £500,000
- Fast approvals & funds in as little as 24 hours
- No hidden fees or early repayment penalties
- Competitive rates from 0.9% per month
- Flexible repayment options, including top-ups & repayment holidays
- Support from a dedicated relationship manager
Loved by our customers
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:
- Buying a pub or bar – Secure the funding you need to purchase a pub or take over an existing business.
- Renovation and refurbishments – Upgrade your premises to attract more customers.
- Expanding to a new location – Grow your brand by opening a second pub or bar.
- Hiring staff and training – Invest in skilled employees to improve service quality.
- Purchasing stock and equipment – Keep your bar fully stocked with drinks, food, and essential equipment.
- Covering cash flow gaps – Maintain financial stability during quieter trading periods.
- Marketing and promotions – Run advertising campaigns to boost customer engagement.
- Unexpected repairs or VAT payments – Cover urgent expenses without disrupting your cash flow.
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.
How to apply for pub finance
Getting started with your pub finance application couldn’t be easier:
- Fill out our quick online application.
- If you meet the initial checks, we’ll get in touch.
- Once approved, you could receive funding on the same day.
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.
- Fuss-free funding – Apply in minutes and receive your funds in as little as 24 hours.
- Flexible finance solutions – Choose from secured or unsecured loans, top-ups, and repayment holidays.
- Personalised support – Your dedicated relationship manager will guide you through the funding process.
- Transparent terms – No hidden fees, and you only pay interest on the reducing balance.
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.
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.
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