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Business Loans for UK Restaurants and Cafes

Restaurant Business Loans UK

Running a restaurant means balancing staff, suppliers, and customer demand, all while managing unpredictable cash flow. Traditional lenders are slow to respond, but your business can't afford to wait. Elect Capital provides £25k to £750k in fast, unsecured funding built for the pace of hospitality.

Step 1 of 3

How much funding do you need?

£25,000£750,000

Applying is free and won't impact your credit score

4hrs
Fastest approval time
£750k
Maximum funding amount
Same Day
Funding available
0
Hard credit checks
Industry Challenges
The Funding Challenges You Know Too Well
We understand the unique financial pressures of your industry. Here's how Elect Capital helps.
Seasonal cash flow swings
Quiet months still bring rent, wages, and supplier bills. Fast working capital smooths out the dips so you never have to cut corners on quality or staffing.
Equipment breakdowns
A broken oven or failing walk-in fridge can't wait for bank approval. Same-day funding means same-day fixes, keeping your kitchen running and your doors open.
Supplier payment pressure
Food suppliers want payment upfront or on tight terms. Working capital lets you honour those terms, maintain relationships, and negotiate better deals from a position of strength.
How It Works
Three Simple Steps to Get Funded
No branch visits. No weeks of waiting. Just a fast, transparent process built for business owners who value their time.
1. Apply in 2 Minutes
Complete a short online form with your basic business details. No paperwork, no branch appointments, and zero hard credit pull during the application.
APPROVED
2. Same-Day Decision
We evaluate your business revenue and trading history, not just a credit score. Apply before 2pm and receive an offer the same business day.
£
24,500
274,500
3. Funds in Your Account
Accept your offer, and capital arrives in your business account, often within hours. No waiting weeks for bank approvals.
Our Products
Funding Solutions That Fit Your Business
Every business has different capital needs. Whether you need to bridge a cash flow gap, invest in growth, or cover an unexpected cost, we have a product built for you.
Eligibility
Quick Check: Do You Qualify?

Most established UK businesses in your sector qualify. We look at your revenue and trading history, not just a credit score.

12+
Months in business
£25k+
Monthly revenue
£750k
Funding available
Funded
£125,000
Restaurant & Hospitality
ManchesterOct 2025
Funded
£85,000
E-commerce & Retail
LondonNov 2025
Funded
£250,000
Manufacturing
BirminghamDec 2025
Funded
£60,000
Healthcare
EdinburghJan 2026
In Practice
How Businesses Like Yours Use Elect Capital
Covering a Quiet January
After the Christmas rush, January revenue drops but rent and wages don't. A central London bistro used Elect funding to cover two months of operating costs during the seasonal dip, keeping full staff and full menu quality intact.
Emergency Equipment Replacement
When a main refrigeration unit failed on a Friday night, a busy pub restaurant needed funding the same day to order a replacement. Bank approval would have taken weeks. Elect funded the full cost within hours, avoiding days of lost service.
Expanding to a Second Site
A family-run restaurant with strong revenue at their first location needed capital to fit out a second unit. Elect provided working capital for the deposit, fit-out, and initial stock without requiring any property as collateral.
FAQ
Common Questions
Yes. Elect Capital funds UK-registered restaurants that have been trading for at least 12 months with a minimum monthly revenue of £25,000. We look at your business performance, not just your credit score.
Anything your restaurant needs, including equipment, renovations, seasonal staffing, marketing, supplier invoices, rent, or working capital to bridge quieter periods.
Apply before 2pm and you can receive an offer the same day. Once accepted, funding is typically in your account within hours.
No. Our unsecured business loans don't require property, equipment, or personal assets as security. Funding is based on your restaurant's revenue and trading history.
Eligible UK restaurants can access between £25,000 and £750,000. The amount depends on your monthly revenue and trading history, not the value of your kitchen equipment or lease.
No. Elect Capital does not perform a hard credit check at the application stage. You can apply and receive an offer without any impact on your personal or business credit file.
Yes. Kitchen refits, equipment upgrades, décor improvements, and front-of-house renovations are all eligible uses of working capital. Many restaurant owners use Elect funding to invest in upgrades during a quiet trading period.
Yes. UK-registered takeaways, dark kitchens, and delivery-only operations are eligible to apply, provided they meet our 12-month trading history and £25,000 monthly revenue criteria.
We evaluate your annual trading pattern rather than a single month's performance. Restaurants with clear seasonal cycles are welcome to apply, and a strong peak-season track record can support a successful application.
Yes. Fit-out costs, deposits, initial stock, and the working capital needed to get a new site operational are all eligible uses. Many multi-site restaurant businesses use Elect to accelerate expansion without waiting on bank timelines.
You'll need your company registration number, basic business details, and recent bank statements. No detailed profit and loss accounts or business plans are required. The application takes about two minutes to complete.
The Elect Difference
Why Business Owners Choose Elect
We're a dedicated lender built from the ground up to serve UK SMEs with speed, transparency, and a human touch.
Transparency
Clear terms, no hidden fees, and open communication at every step. You'll always know exactly what you're signing up for before you commit.
Innovation
We use revenue data and cash flow analysis, not outdated credit models, to make funding decisions. Smarter underwriting means faster approvals.
Empowerment
Our UK-based team works directly with you. No call centres, no being passed between departments. One advisor, one relationship, one goal: getting you funded.
Work directly with Elect Capital. No matter your goal, our in-house funding advisors can help you find the right financing solution for your business.
Apply Now
Choose Elect.
Choose Growth.
Capital that moves as fast as you do. One click away from the next opportunity.
Apply NowPartner With Us
Elect Capital
hello@electcapital.com+44 20 8050 2023

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Elect Capital is a trading name of Elect Capital UK Limited, registered in England and Wales with company number 16106576 and registered address: B1 Vantage Business Park Old Gloucester Road, Bristol, Gloucestershire, England, BS16 1GW. Registered with the Information Commissioner's Office in relation to the processing of personal information, registration number ZB842935. We pay commission to other credit introducers for referring new customers. The commission amount may vary depending on the product, or other permissible factors.

Elect Capital UK Limited provides business funding solutions to UK SMEs, operating transparently in accordance with applicable laws and regulations.

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