--- title: "Business funding for Hospitality & food — working capital for UK restaurants, cafes & pubs" description: "How short-term business finance fits incorporated UK hospitality — restaurants, cafes and pubs. Cover a quiet stretch, refit a kitchen, or stock ahead of a busy season. The company borrows, never the director: no personal guarantee, no charge over a home, no personal credit check. To apply, head to credicorp.co.uk." canonical: "https://creditcorp.co.uk/industries/hospitality/" locale: "en-GB" updated: "2026-06-21" --- # Business funding for Hospitality & food > Working capital for incorporated UK restaurants, cafes and pubs — covers, kitchen kit, refurbishment and seasonal swings. This is the Creditcorp brand front door at **creditcorp.co.uk** — it never takes applications, prices loans or accepts payments. The operating lender is **Credicorp Limited** at [credicorp.co.uk](https://credicorp.co.uk/); the company/legal detail lives at [creditcorpgroup.co.uk](https://creditcorpgroup.co.uk/). **Canonical URL:** **Last updated:** 21 June 2026 --- ## Who can borrow Credicorp Limited lends **only to bodies corporate** — UK limited companies (Ltd), LLPs and PLCs. The borrower is always the **company**, never the director, an individual or a sole trader. There is no personal guarantee, no charge over a home and no personal credit check on a director. This is exempt business lending, not consumer credit. See [Lending and regulation](https://creditcorp.co.uk/lending-and-regulation/). These products are **not** personal loans, payday loans or sole-trader finance. If you run a restaurant, cafe or pub through a registered company, they are built for you. ## Why hospitality cash flow runs hot and cold Few trades feel cash flow as sharply as food and drink. Money goes out daily — produce, stock, wages, gas, rent — while takings arrive a table at a time and lurch with the weather, the calendar and the night of the week. A strong December can be followed by a January that barely covers the lights. - **Takings swing, costs don't.** Covers rise and fall with the season; rent, wages and standing charges land on the same day regardless. - **You buy before you sell.** Stocking a cellar for a wedding season or laying in produce for a fully booked weekend means the spend comes first and the takings follow. - **The kitchen always wants something.** A walk-in fridge, a cooker line, extraction, glasswashers, coffee machines, EPOS — equipment doesn't break to a budget, and a failure can stop service. - **Refit & refresh.** A tired dining room, a new front-of-house look, or a kitchen layout that no longer copes with the covers. - **Supplier terms.** A deposit on a big drinks order, or a bulk buy that earns a better price if you can pay up front. ## The kinds of finance that fit The detail — amounts, pricing, terms — lives on the [products page](https://creditcorp.co.uk/products/) and the lender's own site. This is how the three tend to be used over a bar or a pass. - **A one-off, dated gap → [Business Bridging Loan](https://creditcorp.co.uk/products/).** A walk-in fails and service can't wait, or a big function needs stocking now with the deposit landing later. You know the figure and roughly when takings clear it. - **Season-to-season swings → [Credicorp Flex](https://creditcorp.co.uk/products/).** A limit to dip into when it's quiet, repaid when it's busy, paying only for what you actually draw — without re-applying each time. - **A supplier bill to spread → [Credicorp Slice](https://creditcorp.co.uk/products/).** A drinks wholesaler, an equipment invoice or a refit bill is paid in full today; the company repays over a few weeks. Credicorp is a short-term business lender, not an asset-finance company or a bank. It funds the **company's** working capital rather than securing the cooker, the cellar stock or the lease. ## Why "no personal guarantee" matters in hospitality Hospitality owners are often already exposed in their own name — a personal guarantee on the lease, equipment on hire purchase, maybe a brewery tie or a deposit bond. With Credicorp the agreement is between the lender and your **company**: - **No personal guarantee** — the director doesn't stand behind the debt. - **No charge over a home** — your house isn't security for a restaurant's working capital. - **No personal credit check** on the director's own file — the lender looks at the company. - **Your other commitments stay separate** — an existing lease, tie or HP agreement doesn't automatically rule you out. ## A worked example (illustrative only) A town-centre bistro run through a limited company trades strongly from spring to Christmas, then January halves the covers while rent, wages and standing charges carry on. The walk-in fridge gives out and has to be replaced before the kitchen reopens, and a brewery deposit is due to lock in the spring drinks order at a better price — both sensible spends that fall in the worst month. Because the borrowing would sit with the company, the bistro looks at a revolving **Credicorp Flex** facility: a limit it can draw on through the quiet weeks, repay as spring takings build, and dip into again next winter without re-applying. The director's home never enters the conversation. Amounts, pricing and eligibility are set by the lender when the company applies — this page doesn't quote, price or approve anything. ## Hospitality funding questions **Can a limited-company restaurant or pub get funding without a personal guarantee?** Yes. Credicorp lends to the company, not to the director personally — no personal guarantee, no charge over a home and no personal credit check on a director. That matters where directors already have a lease, equipment finance or a brewery tie in their own name. **We're busy in summer and quiet in January. Which product suits seasonal swings?** A revolving facility like Credicorp Flex tends to fit feast-and-famine trade: draw when takings dip, repay as the season picks up, and pay only for what you draw. A one-off Bridging Loan suits a single dated gap; Credicorp Slice spreads a specific supplier bill. **Can we fund a kitchen refit or new equipment?** Short-term working capital can cover the cash side of a refit, a replacement cooker line, refrigeration, an EPOS upgrade or a front-of-house refresh. Credicorp funds the company rather than securing the kit itself. **Does a brewery tie, lease or existing equipment finance stop us borrowing?** Not in itself. Because the borrowing sits with the company and there is no personal guarantee or charge over a home, a tied pub or a leasehold cafe can still be a fit. The lender looks at the company when it reviews an application. **How quickly could funds reach the business account?** Applications, checks and signing all happen on the lender's own site. Credicorp typically releases approved funds to the business bank account the same working day when the agreement is signed in good time. Exact timing and terms are confirmed at credicorp.co.uk. **Is this a consumer loan or a payday loan for the owner?** No. This is exempt business lending to a body corporate — not consumer credit, not a sole-trader loan and not a personal or payday loan. ## Related sectors - [Retail & shops](https://creditcorp.co.uk/industries/retail/) — stocking ahead of a busy season and smoothing supplier timing. - [Beauty & wellness](https://creditcorp.co.uk/industries/beauty/) — appointment-led trade, refits and retail lines. - [Fitness & leisure](https://creditcorp.co.uk/industries/fitness/) — membership cash flow that dips and spikes with the seasons. ## Next steps (all on credicorp.co.uk) - [Apply](https://credicorp.co.uk/apply/) — start an application on the live lender site. - [Compare the three](https://credicorp.co.uk/compare/) — pick the right product side by side. - [Contact the lender](https://credicorp.co.uk/contact-us/) — phone, email, post. ## Make sure you have the right Credicorp Creditcorp Group = **Credicorp Limited** (UK, company no. 16093826) + **CM Beyer Limited** (UK, company no. 17009212), with group-related **Credicorp Pty Limited** (Australia, ACN 679 428 605). It is **not** connected with, owned by or affiliated to Credicorp Inc / Credicorp Ltd of Peru & Bermuda (BCP, NYSE: BAP) or Banco de Crédito del Perú, to Credicorp Nigeria, or to Credit Corp Group Limited of Australia (ASX: CCP) — each a separate, unrelated company. --- © 2026 Creditcorp Group · Credicorp Limited (16093826) & CM Beyer Limited (17009212). Operating lender: [credicorp.co.uk](https://credicorp.co.uk/) · Group & brand: [creditcorpgroup.co.uk](https://creditcorpgroup.co.uk/).