Loans for all manner of industries

Regardless of what industry you operate in, a small business loan can be a good source of finance. It can be a helpful tool for business owners looking to achieve their business goals and keep themselves ahead of the competition.

This handy resource will provide you with all the information you need about the availability of small business loans by industry.

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Hospitality industry business loans
Hospitality industry business loans

Hospitality firms typically have high fixed costs, which can make freeing up the necessary capital for any planned investment a significant challenge. Without working capital, a business’ potential for growth can be limited, but a business loan can smooth the path to future growth and expansion.

The hospitality industry is the UK’s third largest employer, with in excess of 2.3 million individuals performing some role in the sector.

The emergence and implementation of new technologies in the hospitality sector is changing customers’ expectations and the way they choose to interact with your business. Having the capital available to invest in innovative new solutions can bring significant business benefits, including reducing overheads and improving customer service, resulting in greater customer retention and satisfaction.

Business loans for restaurants

Looking to set up a new restaurant venture from scratch or modernise an existing premise?

Or perhaps you are looking to tap into the growing appetite for street food inspired eateries?

Dining out is now a popular past time for UK adults and families alike. As a result, the restaurant industry has evolved significantly in recent years, showcasing a wide range of innovative food preparation techniques, developing new restaurant experiences and bringing new cuisines and flavours to the public’s attention.

Loans for restaurateurs can help them to finance large scale refurbishments and the installation of specialist new equipment. It can also be invested in specialist staff training and licensing renewals. Additional financing can also be used to give your marketing activities a boost when you are looking to attract new customers and increase your revenue. This is particularly valuable if you are looking to build brand awareness, advertise your latest special offers or launch a new menu.

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Pub business loans

Pubs are undoubtedly a core staple of British culture. It is one of the most successful industries in the UK, with 39,000 pubs currently in operation, according to ONS data. With the rise in popularity of craft beer and locally brewed drinks, many pubs have widened their drinks selection and are flourishing as a result. Many have also diversified into serving high quality hot food, helping to increase the average spend per customer or visit.

Landlords know that innovating and investing in their pub, while also continuing to meet the needs of their regular clientele, is an essential part of maintaining this level of success. For many landlords, a pub loan is an effective way of funding the changes needed to keep a pub operating successfully now and in the future.

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Hotel business loans

There are more than 45,800 hotels in the UK, with London and other major UK cities seeing an increase in new hotel rooms over the past few years. These motels, B&Bs, boutique hotels and large hotel chains aren’t just competing with each other, but also with the flourishing Airbnb market.

As a result, potential guests are often looking for a unique, unforgettable experience when selecting their hotel. This has given rise to more boutique or innovative offerings, designed to cater for both leisure and business travellers.

Hotel loans are often designed for those looking to buy, build or renovate a hotel property. Due to the seasonal nature of the hotel industry there is also additional pressure on cash flow during quieter periods. A hotel loan can be a useful option to help smooth out uneven periods of cash flow at challenging times such as the low season.

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Cafe business loans

70 million cups of coffee are drunk in the UK every single day and for many people, grabbing a coffee at a local cafe has become part of their everyday routine. As a result, coffee shops are now a very common sight on almost every major street up and down the country.

From grinding and roasting your own coffee beans to designing a comfortable, welcoming cafe environment, getting the right equipment for your coffee shop can be key to its enduring success. While customers might love seeing all their drinks topped with exquisite latte art, getting the fundamentals in place should be your first priority.


Fortunately for cafe owners, a business loan can help get your new cafe up and running, fully stocked and ready to welcome its first customers. Once you’re cafe has established itself at the heart of the local community, you may wish to explore options for expansion. A business loan can help make those dream a reality.

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Business loans for bars

If you have ambitions for your bar to be the number 1 destination for after work drinks, or the best place for a fun Saturday night with friends, a bar loan could help give your premises the wow factor it needs to attract more customers and keep the drinks flowing all night long.

Taking out a business loan for your bar could help you fund a complete style overhaul or a simple refresh of your premises. It could also enable you to explore new avenues, such as private events or hot food service. To keep customers coming back for more, you could also invest in additional training for your staff, such as an intensive mixology course, so they can serve up the best new cocktails in the business. Gin is currently the drink of choice for many bar-goers, having seen a recent surge in popularity, and this could open up a number of new opportunities for bar owners looking to increase the range of drinks they offer their customers.

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Loans for retail shops
Loans for retail shops

Keeping up with the latest retail trends can be tough in a fast moving consumer goods market, but with a little bit of creativity and a cash injection, in the form of a small business loan, you can easily take your retail business to the next level and drive more sales than ever before.

When out shopping, modern customers now also expect a great in-store experience. Investing in staff training to ensure they are delivering a consistently high level of customer service means your customers are much more likely to leave your store happy, having made a purchase. Bringing digital features into your store, such as interactive displays or search-able catalogues provide a host of new ways to meet your customers’ needs and make that all important sale. Not only will this help drive increased customer loyalty, it will also improve your store’s reputation and set you apart from your competition in a busy marketplace.

Loans for retailers

Experts are predicting that the coming 12 months will see the retail industry transformed by new and innovative technologies designed to improve the overall shopping experience for your customers and improve sales.

Retailers now have a whole host of customer data at their fingertips, enabling them to offer a more personalised service and increase sales. Connecting data on in-store activity with other data gathered outside the store, e.g. website and newsletter activity, can help shop owners improve their marketing activity and provide a more holistic view of your customer life cycle.

Technology can also transform the inventory management process, enabling you to restock items promptly and gain a deeper insight into current shopping trends. This can introduce greater efficiencies into your processes and reduce stock wastage. One option to fund the purchase of these innovative new technologies, and thus improve the customer experience, is through a small business loan.

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Loans for opticians

Opticians and ophthalmologists require specialist equipment in order to safely carry out eye exams on their patients. As technology continues to evolve, it is anticipated that new innovations will increase the range of eye care solutions opticians can provide, as well as making the experience quicker and more enjoyable for the patient. A business loan can provide your optical business with the necessary funds to purchase and maintain these vital tools.

The retail side of the business also plays a key role in your businesses success and a business loan can have a role to play in this area too. It’s important to thoroughly understand your target market and select a wide range of stock to suits their needs and personal sense of style. After all, they could potentially be wearing their glasses all day every day. Thorough market research into the population profiles of your local area is an important part of getting to know your potential customers and identifying new business opportunities. Don’t forget to pay attention to what your competition is doing during this research phase, so you get a complete view of your local market.

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Hair and beauty industry loans
Hair and beauty industry loans

Accessing additional sources of finance, such as a small business loan, to help your salon keep up with the latest hair and beauty trends is a surefire way to keep your customers looking their very best and coming back for more.

With more and more customers looking for total well-being solutions alongside their regular hair cut or massage, hair and beauty businesses can take advantage of these emerging trends to deliver a more holistic experience and innovative solutions for their clients.

Recent studies have shown that once a customer attends their first appointment at a new salon, they are much more likely to book a followup appointment on the day, or return at another point in the future. Attracting their attention and then making the right impression when they first step through your door is essential for building your customer base and growing a successful hair and beauty business.

Loans for salons

It’s all about appearances when running a successful salon. From the interior and exterior decor to showcasing the latest equipment and web presence, what your customers see can really make a difference to how they feel about their recent visit. As a result, the high-traffic areas of your salon may need regular refurbishment.

Ensuring your staff are up to date with the latest trends and treatment methods requires ongoing investment, but salons who invest in their staff will reap the rewards as customers keep coming back for more, thanks to the excellent level of service.

New booking technologies can help salons minimise the time spent arranging appointments and give customers the freedom to manage their bookings on the go, whenever they want to. Combined with an attractive marketing presence to communicate your services and latest offers, you can offer an exceptional service from booking right through to the aftercare.

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Nail salon loans

The nail industry is booming, with nail treatments accounting for around 10% of the total hair and beauty industry revenue. Combine this with a continued increase in the purchase of gel nail services in the UK, and it’s safe to say that the increasing demand for perfectly groomed hands and feet is here to stay.

If you are looking to train your nail technicians in the latest nail art techniques, or options for purchasing the glitter, pens and add-ons necessary to create these stylish looks, a business loan can help you cover the cost of providing your customers with the latest must-have designs. Additional funding can also help you accelerate your growth and build your profile, both online and in the local area. Whether your goal is to hire more nail technicians, expand your existing premises or move to a new, larger locations, a business loan could be the solution you are looking for.

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Manufacturers, building contractors and car and MOT garages
Manufacturers, building contractors and car and MOT garages

The manufacturing and car maintenance industries employ a combined 3 million people in the UK.

Manufacturers, building contractors and car and MOT garages are all resource-intensive business. From the cost of employing skilled labourers to purchasing machinery and raw material, the ongoing success of these businesses depends on them being able to access and fund these critical elements.

A small business loan can help firms of all sizes finance their corporate goals. These include business expansion, research and development, hiring appropriately skilled employees and upgrading equipment. It can also play a key role in helping business owners to effectively manage their cash flow and avoid any interruptions in their services.

Loans for contractors

Construction contracts topped £71 billion in 2017 and its highly skilled workforce make up one of the UK longest established, and arguably one of its most important, industries. Demand is also showing signs of increasing.

The upfront cost of building materials and labour often make up a significant proportion of the total cost of any project. Finding the materials you need at a good price can also help boost your profits and win more contracts, provided you have adequate working capital to cover those costs. Smooth out uneven cash flow and take care of upfront costs with a small business loan. It can also help fund new tools and equipment or take advantages of economies of scale by paying suppliers off early.

Removing worries about the level of your working capital leaves you free to focus on what you do best, sourcing and negotiating new contracts, and completing constructions projects on behalf of your customers.

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Loans for garages

With more than 31.7 million vehicles on Britain’s roads, a good garage is an essential partner for motorists looking to keep their vehicle in excellent running condition. British motorists spend an estimated £21.1 billion a year on maintaining their vehicles, making them some of the best-maintained cars in the world.

In order to operate most effectively, garages need to acquire a wide range of approved equipment, from vehicle ramps to various testers and compressors. While these items can be sourced second hand, most garage owners prefer to purchase them from new to guarantee the reliability and after-sales support they need. With a business loan, acquiring the necessary equipment shouldn’t be a major hurdle to ongoing business success.

Once your business is up and running, there are many ways to increase your garage’s profitability and grow your business further. A small business loan can help in a number of ways, for example investing in appropriate training courses for your employees is a great way to increase their skill set and broaden the range of services you can offer.

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