Hospitality and Leisure finance
Create the experience.
Fund what comes next.
Hospitality and leisure finance for essential equipment, refurbishment and seasonal cash flow.
TMS Finance is a credit broker, not a lender.
Invest in the Customer Experience and Protect Cash Flow
Hospitality and leisure businesses must often fund staff, suppliers, refurbishment and equipment before seasonal revenue or advance bookings convert into usable cash.
Commercial finance can help spread the cost of improvements, replace essential equipment and provide working capital through quieter periods or expansion.
A funding plan that fits your sector
TMS Finance reviews trading performance, card sales, seasonality, premises, project costs and existing commitments before identifying suitable funding routes.
We explain the costs, repayment structure, lender requirements and any security or personal guarantee before you decide how to proceed.
Finance routes worth exploring
The right route depends on your business, the use of funds and how repayments will be supported.
Merchant cash advance
Explore a facility linked to eligible card-sales income.
Asset finance
Spread the cost of kitchens, refrigeration and leisure equipment.
Working capital
Manage recurring costs, seasonal trading and venue expansion.
What could your funding support?
- Restaurant, bar, hotel and leisure refurbishments
- Commercial kitchens, refrigeration and catering equipment
- Furniture, gym, spa and customer-facing equipment
- Stock, food, drink and supplier payments
- Payroll and working capital through quieter periods
- New venue deposits, fit-outs and launch costs
- Marketing, booking systems, EPOS and technology
- Refinancing existing short-term business debt
Tell us what you need to achieve
Share your funding amount, purpose and timescale. We’ll review your enquiry and explain the information needed to explore suitable options.
Submitting an enquiry does not commit you to proceed. Finance is subject to status, affordability, lender criteria and approval. Security and personal guarantees may be required.
01
Understand your needs
Review your business, purpose, timescale and existing commitments.
02
Explore suitable routes
Consider relevant providers from our panel and explain their requirements.
03
Make an informed choice
Review the costs, conditions and repayment commitments before proceeding.
Hospitality and Leisure finance FAQs
Business finance may support qualifying refurbishment and fit-out costs. Lenders will consider the premises, lease term, contractor quotations, trading history, project budget and how the work is expected to improve the business.
Asset finance may be available for identifiable equipment such as ovens, refrigeration, coffee machines, gym equipment, spa equipment, furniture and certain technology. The asset and supplier must meet lender criteria.
Lenders will look at historic monthly performance, booking patterns and the ability to meet repayments during quieter periods. Funding should be structured around a realistic cash-flow forecast.
It is an advance repaid from a percentage of eligible card sales. Repayments can flex with turnover, but the fixed total repayment and effective cost should be compared with other products.
Potentially. Lenders may request evidence that the existing operation is performing, a detailed new-site budget, lease information, forecasts and the owners’ proposed cash contribution.
Start-ups can be more difficult to fund. Options may depend on sector experience, deposit, lease terms, asset security, business plan, forecasts and the directors’ personal financial position.
Some facilities require a personal guarantee or other security. This depends on the lender, product, amount and business strength. The requirement and its implications should be understood before signing.
Prepare for your application
Common requests include accounts, business bank statements, existing borrowing and evidence of the costs or project being funded. Sector-specific details also help lenders understand the requirement.
Explore other sectors
Find finance information for UK businesses across construction, property, retail, manufacturing, hospitality, healthcare, transport and agriculture.
Ready to discuss your next move?
Start with the business outcome you want. We’ll help you understand the funding routes that may fit.