RESTAURANT & TAKEAWAY FINANCE MADE SIMPLE
Smarter Finance Solutions
Running a restaurant or takeaway means managing rising costs, high expectations, and the need for constant investment in stock, staff, and equipment.
Whether you’re expanding, opening a new site, or handling quieter periods, having the right funding in place is crucial.
We help UK food business owners access flexible finance tailored to their needs and growth plans.
With funding from £10,000 to £500,000 and decisions in as little as 24 hours, you can move quickly when it matters most.
FINANCE THAT WORKS WHEN YOU NEED IT
Funding for any business need
Upgrade kitchen equipment
Invest in commercial ovens, fryers, refrigeration units, prep equipment, or extraction systems — improving speed, food quality, and kitchen efficiency.
Keep fridges & stock levels full
Maintain consistent stock levels of ingredients, packaging, and supplies — especially during peak trading periods or ahead of large events.
Manage cash flow & cover overheads
Handle fluctuating income, cover wages and rent during slower periods, and maintain excellent service without financial pressure.
Hire & train additional staff
Bring on new kitchen or front-of-house staff, or invest in training to improve consistency, reduce wait times, and deliver better customer experiences.
Refit your restaurant or open a new location
Renovate your front-of-house, upgrade your dining space, or fund the fit-out of a new site — growing your brand and customer base.
Launch online ordering & delivery
Invest in your own ordering platform, delivery infrastructure, or marketing to reduce reliance on third-party apps and increase your margins.
TYPES OF FINANCE
We find the option that works for you
Merchant Cash Advance
The most popular choice for restaurants and takeaways — receive a lump sum advance repaid as a small percentage of your daily card sales. No fixed monthly payments.
Learn more →Unsecured Business Loans
Fast access to up to £750,000 with no assets required — ideal for kitchen upgrades, refurbishments, new locations, or working capital.
Learn more →Asset Finance
Finance commercial ovens, fryers, refrigeration units, or POS systems with affordable monthly payments — no large upfront cost.
Learn more →Flexible Credit Facility
A revolving line of credit for stock purchases, seasonal dips, or unexpected costs — draw on it as needed and repay when trading is strong.
Learn more →Secured Business Loans
Larger amounts at lower rates for significant investment — secured against property for multi-site expansion or major premises refurbishment.
Learn more →VAT & Tax Loans
Spread your quarterly VAT or Corporation Tax bill over 3–12 months — stay compliant without impacting your day-to-day operations.
Learn more →RESTAURANT & TAKEAWAY LOAN ELIGIBILITY
Eligibility criteria
To be eligible for a restaurant or takeaway business loan your business typically needs to:
- Be UK-based and actively trading
- Trading for 2+ years with a reasonable credit profile
- Have a strong credit history and positive cash flow
- Be a limited company, sole trader, or LLP
- For MCA: minimum monthly card takings of £5,000
If you're a newer business or have had credit issues, we may still be able to help — speak to our team to explore your options. No impact on your credit score to enquire.
Who we work with
Rates & terms
Interest rates vary depending on the lender, loan type, and your business credit profile. MCA costs are expressed as a factor rate. Subject to status and affordability assessment.
Why choose Funding Pool?
Hospitality finance expertise
We understand the high costs, tight margins, and seasonal pressures of running a restaurant or takeaway — and match you with the right lender.
Quick & easy application
Minimal paperwork and fast decisions — most applications processed within 24 hours so you can keep your kitchen running.
Competitive rates
We compare offers across 50+ lenders to find the most competitive rates and repayment plans for your food business.
UK-based support team
Our friendly experts are available by phone, email, or WhatsApp to guide you from application to completion.