Pub finance, across the UK

Pub finance is trading-led. Lenders underwrite the operator as closely as the building: the track record, the wet and dry split, barrelage, the free-of-tie or tied position, and the going-concern valuation on fair maintainable trade, not bricks alone. The right facility is rarely the cheapest headline rate. It is the one that completes the purchase or funds the works, carries the pub through until the trade settles, and refinances cleanly onto term debt.

We work with operators, buyers, investors and developers on pubs and schemes from around half a million pounds upward. We arrange the commercial mortgage that funds an acquisition, the development and conversion finance that funds a refurbishment or change-of-use scheme, the bridging that moves at auction pace, the refinance that lowers a rate or releases equity, the refurbishment and fit-out funding, and the asset finance behind a brewpub or a cellar.

Because we sit across more than one hundred lender relationships, including the specialist licensed-trade and leisure desks, we match a property to the lenders that actually back it. A first-time single-site buyer, an established multi-site operator and a developer converting a closed pub are all underwritten differently. Knowing who is lending, at what leverage and on what terms, is the work.