Can multi-site restaurant groups apply for finance via Best Business Loans?

Yes. Established multi-site restaurant companies can submit an enquiry to be introduced to suitable lenders or brokers. We don’t lend directly; we match you with providers that support hospitality businesses with multiple locations.

Are LLPs eligible to apply?

Yes. UK LLPs with a trading history can apply. Providers will review member experience, the LLP agreement, capital contributions, and cash flows, and may require member guarantees depending on the facility.

What documents will providers typically ask for?

Expect requests for statutory and management accounts, business bank statements, site leases, EPOS or card settlement data, forecasts, details of existing finance, and—if an LLP—your partnership agreement and member details.

Which finance types are common for restaurants with multiple sites?

Working capital loans, revolving credit, merchant cash advances (card-revenue finance), equipment and asset finance, fit-out funding, VAT and tax funding, sustainability finance, and—in B2B catering—invoice finance.

Does Best Business Loans support franchise finance?

No. We currently do not support franchise applications, start-ups, sole traders, property finance or commercial mortgages.

Can multi-site restaurant groups or LLPs apply?

Yes — established multi-site restaurant companies and UK LLPs can apply via Best Business Loans

Multi-site restaurant groups and limited liability partnerships (LLPs) are welcome to submit an enquiry for funding options through BestBusinessLoans.ai. We help you explore suitable lenders and brokers that actively support hospitality businesses with complex structures. We do not supply loans directly; we guide you towards relevant providers and solutions.

Your enquiry is free to submit and there’s no obligation to proceed. Approval, terms and availability always depend on each provider’s eligibility criteria, affordability checks and due diligence.

Who can apply — and how group structures and LLPs are assessed

Multi-site restaurant operators and LLPs can apply if they are established, UK-based trading entities with clear financial records. Lenders will assess the strength of the group or partnership as a whole, as well as the performance of individual locations. Clear ownership, member roles and intercompany relationships help to streamline assessment.

Group structures can include parent companies, operating subsidiaries, and special-purpose vehicles for sites or equipment. LLPs are assessed on members’ experience, partnership agreements and cash flows, with possible member guarantees depending on product type and risk.

We currently don’t support start-ups, sole traders, franchises, property finance, or commercial mortgages. If your multi-site group operates under a franchise model, our platform is not the right fit at this time.

Minimum criteria at a glance

UK-based limited company or LLP, actively trading and seeking finance for business purposes.
At least 12 months’ trading history preferred; longer is advantageous for larger facilities.
Transparent group structure and up-to-date financials (statutory accounts and managements).
Demonstrable ability to repay from trading cash flows; no misleading or incomplete information.
Purpose of funds aligned to business needs (e.g., working capital, equipment, fit-out, sustainability).

Lenders may ask for personal or cross-company guarantees, debentures, or asset security, depending on risk and product. This varies by provider and is confirmed only by the lender or broker you choose to engage.

Our role is to match your profile to suitable finance providers. You stay in control and decide whether to proceed with any introduction.

Finance options suited to multi-site restaurants and LLPs

Hospitality operators often benefit from flexible, working-capital and asset-based facilities. The “right” option depends on site performance, seasonality, card takings, and growth plans across the estate. Below are common solution types that lenders and brokers may consider for multi-site restaurants and LLPs.

Working Capital Loans and Revolving Credit Facilities — general cash flow support for stock, payroll, or expansion.
Merchant Cash Advance (card-revenue finance) — repayments flex with card takings, helpful for seasonal demand.
Equipment and Asset Finance — spread the cost of kitchen equipment, EPOS, or back-of-house technology.
Fit-Out and Refurbishment Finance — fund refits, new site launches, and layout improvements.
Vehicle and Fleet Finance — for delivery vans or logistics supporting central kitchen operations.
Invoice Finance (for B2B catering or events) — unlock cash tied up in receivables from corporate clients.
VAT and Corporation Tax Funding — smooth large, time-bound tax outflows where appropriate.
Sustainability and Energy-Efficiency Finance — fund greener kitchens, HVAC upgrades, or solar and heat recovery.

If you’re comparing options, a quick way to orient yourself is by matching finance type to the need and repayment profile. For instance, card-linked revenue finance may suit sites with strong card turnover, while asset finance suits tangible equipment purchases.

Common use cases across multi-site estates

New site openings, refurbs and rebrands to protect market share and uplift footfall.
Kitchen and front-of-house upgrades to boost efficiency and consistency.
Menu innovation and technology adoption, including EPOS or table-ordering systems.
Cash flow smoothing across peak and off-peak trading cycles.

To learn more about sector-specific options, explore our page on restaurant loans and finance. You’ll find guidance tailored to hospitality operations.

What lenders tend to look for in group and LLP hospitality applications

Providers will typically examine both consolidated financial health and site-by-site performance. Strong management accounts, clear cash flow forecasting, and well-documented leases can materially improve confidence. Demonstrating resilience through seasonality and cost pressures is important.

Groups should show how the head office cost base is allocated to sites and how underperforming locations are managed. LLPs should evidence member experience, decision-making structure and capital contributions. Clear governance, hygiene ratings, licensing status and compliance practices also matter.

Where security is requested, lenders may consider fixed assets, equipment, debentures, or personal and cross-company guarantees. The requirement varies widely by lender, loan size, and risk profile, and will be disclosed by the provider before you decide to proceed.

Documents checklist most providers may request

Latest filed statutory accounts and recent management accounts (consolidated and site-level if available).
Business bank statements (typically 6–12 months), including dedicated accounts for each site where relevant.
Site leases, head office lease, and any franchise agreements if applicable (note: franchise finance not supported via our platform).
EPOS or card settlement data for sites using significant card revenue.
Cash flow forecasts, business plan, and capex schedule for new sites or refurbishments.
Details of existing finance, repayment schedules, and any security or guarantees in place.
LLP agreement, member details and roles, plus any capital accounts or member loan arrangements.

Not every application needs every document at the outset, but having them ready accelerates assessment. Providers will advise what they need once introduced.

Above all, accurate, consistent and timely information helps providers form a fair view and avoids delays.

How our AI-led matching works for multi-site groups and LLPs

Our process is designed to save you time by connecting you with funding partners likely to support your structure, sector and goals. We use intelligent matching to align your profile with lenders and brokers who are actively lending to established UK hospitality businesses. You remain in full control throughout.

Start by submitting the Quick Quote form with details on your company or LLP, number of sites, typical monthly revenues, and purpose of funding. Our system analyses your information against funding categories and provider preferences. We then introduce you to suitable providers so you can compare options on your terms.

We don’t guarantee approval, the lowest rate, or that every provider will make an offer. But we do aim to help you avoid wasted applications by focusing on relevant introductions aligned to your situation.

What to expect after you enquire

Acknowledgement of your enquiry and a short follow-up to clarify any key points.
Introductions to one or more suitable lenders or brokers for your profile and needs.
Requests for supporting documents so providers can complete eligibility and affordability checks.
Indicative terms if you meet criteria, followed by full credit and underwriting where applicable.

Submitting an enquiry is free and without obligation. Any decision to proceed remains entirely yours.

Ready to explore your options? Get your free Quick Quote now and tell us about your sites and funding goals.

Practical tips to strengthen your application — plus compliance notes

Tell a clear story about performance, plans and payback. A concise rationale for the funding, supported by realistic forecasts and sensitivity scenarios, builds lender confidence. Address known challenges head-on, such as energy costs or rising labour, and show your mitigation plan.

Share site-by-site metrics like average transaction value, table turns, labour as a percentage of sales, and delivery mix. Evidence operational improvements like menu engineering, prep optimisation or energy-saving upgrades. Highlight experienced leadership and consistent brand standards across locations.

Keep your finances clean and current. Up-to-date management accounts, timely VAT and tax submissions, and reconciled EPOS data all help. Proactively disclose existing liabilities and covenants to avoid surprises.

Compliance and important notices

BestBusinessLoans.ai is an independent introducer. We do not offer loans or provide regulated advice.
Any funding you obtain is provided by third-party lenders or brokers we introduce. Eligibility, rates and terms depend on provider criteria and your circumstances.
All information should be fair, clear and not misleading. Only apply for finance that is affordable for your business.
We currently do not support start-ups, sole traders, franchises, property finance or commercial mortgages.
Nothing on this page is financial advice. Consider seeking independent professional advice before committing to any finance.

We take data security seriously and only share your details with relevant providers connected to your enquiry. Submitting a Quick Quote does not affect your credit score on our platform; any credit searches are performed by the provider and disclosed by them.

Key takeaways

Yes — established multi-site restaurant groups and LLPs can apply through our platform.
We introduce you to suitable lenders and brokers; we don’t lend directly.
Provide clear group structure, current financials and site-level insight to strengthen your case.
Funding options can include working capital, card-revenue finance, asset and fit-out finance, and more.
Enquiries are free and without obligation; decisions and terms are set by providers.