Do you support property development or hotel construction finance?
Short answer: Not directly — but we can help many hospitality and trading businesses find alternative finance
We don’t currently support applications for property development loans, hotel construction finance, commercial mortgages, or bridging finance. Our platform is focused on helping established UK trading businesses match with non-property finance such as asset finance, fit-out funding, equipment, vehicles, and cash flow solutions. If you run or operate an existing hotel or hospitality business, we may help you explore relevant funding options that do not rely on property development lending.
What we don’t support today
Ground-up development, major structural works, land acquisition, and construction-stage lending are outside our current remit. That includes senior development debt, mezzanine development finance, and property-backed bridging. We also don’t support start-ups, franchises, or sole traders.
What we can support for hotel and hospitality operators
Many hotel businesses need funding that is not tied to property development. We can help you explore options for furniture, fixtures and equipment (FF&E), kitchens, laundry equipment, IT and PMS systems, vehicles, renewable upgrades, and working capital for seasonality. We can also help with refurbishment-related fit-out finance where funding is tied to the trading business rather than a property loan or mortgage.
Clear, fair and not misleading
To keep things transparent, we won’t make promises about approvals or rates, and we’ll always make it clear when a request falls outside our scope. Best Business Loans is an independent introducer that connects you with suitable lenders or brokers and does not lend directly.
How to proceed if you’re unsure
If you’re not certain whether your requirement is classed as property development or trading-business funding, complete a Quick Quote and describe your project. We’ll tell you if we can help and, where appropriate, signpost you to specialist, FCA-authorised firms who handle development finance. There’s no obligation to proceed, and your enquiry is handled sensitively and securely.
Understanding our position on property and construction finance
Why we focus on trading-business finance rather than development lending
Development finance is highly specialised and typically involves property security, staged drawdowns, monitoring surveyors, and complex risk evaluation. Our platform is built to match data from trading businesses with lenders who finance assets, equipment, fit-outs, vehicles, invoices, and operational cash flow. That focus helps us keep matching accurate, fast, and relevant.
Common property development products we do not arrange
- Senior development loans for ground-up builds and major conversions.
- Mezzanine finance topping up senior debt stacks.
- Bridging loans secured against land or buildings.
- Commercial mortgages or refinancing secured by property.
Where we can add value for hotel operators
If you are running an operating hotel, refurbishing rooms, installing energy-efficient systems, or upgrading guest technology, we may help match you to relevant non-property products. These products can support growth and service quality without entering into property development facilities. They’re often faster to arrange than development finance and can align with cash flow.
Examples of non-property finance we can help you explore
- Fit-out finance for refurbishments that improve guest rooms and public areas.
- Asset finance for FF&E, catering, spa and gym equipment, or laundry systems.
- Vehicles and fleet funding for hotel shuttles, maintenance vans, or logistics.
- Cash flow loans to manage seasonality, supplier terms, or marketing pushes.
- Invoice finance for B2B income streams such as corporate bookings or events.
Important note on eligibility
Most providers prefer established, VAT-registered UK companies with a trading track record and sensible affordability. Start-up projects, speculative developments, and transactions relying primarily on property security are outside our scope. Subject to status, credit checks, and the lender’s criteria, we’ll introduce you only where there is a realistic fit.
Alternatives and signposting for developers and constructors
If you need property development or hotel construction finance
While we do not support development lending, it may be helpful to understand typical routes. Many developers seek a combination of senior debt, mezzanine or preferred equity, and sometimes bridging to acquire land or cover short-term needs. These are usually secured on the scheme and involve detailed appraisals, QS reports, and staged drawdowns.
Documents and information development lenders tend to expect
- Full development appraisal with cost plan, timelines, and exit strategy.
- Planning status, drawings, and professional team résumés and track records.
- GDV assumptions supported by comparables and agent letters.
- Borrower experience, SPV structure, and evidence of equity contribution.
- Cash flow forecasts, contingency assumptions, and sensitivity analysis.
Using our platform when property is part of a wider plan
If your main requirement is property-led, our Quick Quote will likely indicate we cannot assist directly. However, if the broader plan includes non-property elements such as equipment, fit-out, or operational ramp-up, we can assess those aspects separately. We’ll keep our role clear and avoid promoting property products we don’t arrange.
Fair introduction, where appropriate
Where we do signpost, we aim to reference FCA-authorised or appropriately regulated professionals for regulated activities. We don’t control third-party decisions, fees, or outcomes, and introductions are not endorsements. Always ask for a clear breakdown of charges, APRs where applicable, and total cost of finance.
Compliance and clarity
Any property finance information here is for general guidance only and is not personal advice. Advertising should be clear, fair and not misleading, and we encourage you to read provider documentation carefully. Seek independent professional advice where you are unsure, particularly for complex property transactions.
Finance we can assist with for operating hotels and hospitality
Practical funding use cases we often see
- Room refurbishments with FF&E funding to elevate guest experience.
- Kitchen, bar, and banqueting equipment upgrades to increase revenue per cover.
- Energy and sustainability improvements to reduce utility costs and emissions.
- Technology upgrades such as PMS, POS, Wi-Fi networks, and in-room tech.
- Vehicle finance for shuttle services or maintenance fleets.
How our AI matching supports hotel operators
Complete a simple Quick Quote and tell us your use case and budget. Our system analyses your profile and may introduce you to active lenders or brokers aligned to your sector and asset type. You compare options and decide what works for your cash flow and timelines.
What to expect on pricing and terms
Pricing depends on product type, term length, credit profile, assets, and sector sentiment. We don’t guarantee the lowest rate but aim to surface relevant providers who are actually lending. Always review the total amount payable, fees, and early settlement terms before you commit.
Further reading for hotel businesses
If you operate a hotel, you may find this page helpful: hotels business loans. It explains common funding routes for trading hotel and hospitality businesses. You’ll also see how our matching process works for day-to-day operational needs.
Who typically qualifies
Established limited companies with verifiable revenues, sound affordability, and a clear purpose for the funds are more likely to qualify. Lenders will typically check credit behaviour, director history, and recent financials. Security and guarantees may be required depending on the product and amount.
How to check your eligibility in minutes
Step-by-step: Quick Quote to Decision in Principle
- Submit a Quick Quote with your business details and funding purpose.
- Our AI analyses your profile against available options in our network.
- We introduce you to suitable lenders or brokers who may be able to help.
- You review terms, ask questions, and choose if you want to proceed.
What information to have ready
- Basic company details, trading years, and industry.
- Funding purpose, required amount, and desired term.
- Recent management accounts or filed accounts, if available.
- Equipment or asset specifications for asset finance enquiries.
What happens next
If a provider is a good fit, they’ll outline documents they need for an eligibility check or Decision in Principle. Some products can move quickly once underwriting has what it needs. Timelines vary by provider, product complexity, and the completeness of your information.
Transparent, no-obligation process
Submitting a Quick Quote is free and without obligation, and we do not charge applicants. Any broker or lender fees will be disclosed by the provider before you decide. Enquiries may involve soft or hard credit checks depending on the provider’s process, so always verify this before proceeding.
Data privacy and security
We handle your information securely and only share details with relevant finance professionals connected to your enquiry. We don’t sell your data and maintain strict confidentiality. You can contact our UK support team if you need guidance before submitting.
FAQs, compliance notes, and key takeaways
Do you support property development or hotel construction finance?
No — we don’t currently support property development loans, construction finance, commercial mortgages, or bridging. We focus on non-property finance for trading businesses such as asset finance, fit-out, equipment, vehicles, invoice finance, and cash flow solutions. If your requirement is purely property-led, we’ll tell you promptly and, where suitable, signpost you to specialists.
Can you help with hotel refurbishments?
Yes — provided the funding is structured as trading-business finance rather than a property loan. Fit-out, FF&E, and equipment funding are common use cases we can help you explore. Approval is subject to provider criteria, affordability, and credit checks.
What about property-backed bridging or commercial mortgages?
These are outside our current scope. We won’t present them as options through our platform. If appropriate, we may signpost to external specialists, but that is not an endorsement and we do not control third-party outcomes.
How fast can non-property funding be arranged?
It depends on the product, asset type, and underwriting requirements. Simple asset finance and working capital products can sometimes complete quickly once information is verified. Complex cases or larger transactions will take longer due to due diligence.
Will my enquiry affect my credit score?
Different providers use different checks. Some start with a soft search and move to a hard search at offer stage, while others use hard searches earlier. Ask the provider how they run searches so you can make an informed decision.
Compliance and fair presentation
All information on this page is general and not personal financial advice. Any introductions we make are to third-party firms that set their own criteria, fees, and terms. Always read documents carefully, request total cost and APRs where applicable, and consider independent advice if you’re unsure.
Key takeaways
- We don’t support property development, construction finance, commercial mortgages, or bridging.
- We do support many non-property finance needs for operating hotels and hospitality businesses.
- Submit a Quick Quote for an eligibility check or Decision in Principle with suitable providers.
- We prioritise clarity, fairness, and transparent signposting where something is out of scope.
- No obligation to proceed, and your enquiry is handled securely and confidentially.
About Best Business Loans
BestBusinessLoans.ai is an independent introducer that helps established UK companies explore suitable non-property business finance through AI-driven matching. We do not lend directly and we do not provide property or development finance. Updated October 2025.
Next steps
Tell us what you’re planning and how much you need, and we’ll show you the best next step. Complete your Quick Quote now for a no-obligation eligibility check. If your enquiry is property-led, we’ll let you know early and signpost appropriately.