Finance for cafés and hospitality, shaped around how you get paid.

A line of credit drawn as needed and repaid when trade returns is the cheapest option, and a short-term unsecured loan with a repayment holiday covers a planned closure for renovation. Applying while trade is strong gets the best terms, so plan the facility before the quiet season rather than during it.

Consistent daily card takings, the lease term, gross margin, wage costs, tax up to date and a clean credit file. Lenders know hospitality is competitive, so a broker who presents the numbers clearly and matches the lender to your trading pattern makes a real difference to approval and pricing.

Timing depends on the lender, your application and the documents available. Tell us your deadline so we can explain the likely timing and what is needed to move forward. Funding is subject to lender approval and completion of any conditions.

Unsecured business loans and merchant cash advances with daily or weekly repayments match the way hospitality trades, and equipment finance funds the kitchen, coffee machine and fit-out at a sharper rate over a longer term. Lenders assess card takings in the bank statements, so a venue with steady daily sales is often approved within a day or two.

Yes, with the right lender. New venues are approved with a deposit, a signed lease, hospitality experience, a business plan and a clean personal credit file, and equipment from major brands is easier to finance than bespoke items. Established operators opening a second venue qualify on trading history.

Most unsecured business lenders size a loan against turnover rather than assets, commonly to a share of monthly or annual revenue. On our panel, unsecured facilities generally run from around $5,000 to roughly $500,000, with larger amounts usually requiring security or stronger financials. The actual figure depends on your trading history, cash flow, existing commitments and credit profile. We can tell you the realistic range for your business before any application is submitted, but no amount is guaranteed until a lender approves it.

A business loan advances a fixed amount that you repay over a set term. An overdraft is a limit attached to a transaction account that you draw on and repay as needed, with interest charged only on the balance used. A loan suits a defined purchase or a one-off cost; an overdraft suits timing gaps between paying suppliers and being paid. Overdrafts often carry a line fee whether or not you draw the limit, so compare the total cost of holding the facility.

It varies by lender and product. Many unsecured business lenders want at least six to twelve months of trading, while some asset finance lenders will consider a new ABN where the director has industry experience, a clean credit file and often property ownership or a deposit. Registration for GST is frequently expected once turnover reaches the threshold. A short ABN history is not an automatic decline, but it narrows the panel and usually affects the rate and structure offered.

No. Plenty of finance is written for non-property owners, especially asset finance where the equipment itself is the security, and unsecured lending assessed on cash flow. That said, property ownership widens the panel and often improves pricing, because it gives a lender an additional avenue if things go wrong. If you do not own property, expect more weight on trading history, bank conduct and the quality of the asset being financed.

Because they are pricing different levels of risk and using different funding. A bank with a long assessment process and full financials can price sharply; a fintech approving in hours from bank statements charges more for that speed and the lighter verification. Asset type, age, term, deposit, credit history and whether directors own property all move the number. That is the point of a panel — the same deal can land very differently, so it is worth comparing rather than accepting the first quote.