Pub finance by property type

Pub lending is trading-led, and each property type is funded on its own tests by its own set of lenders. A wet-led community pub turns on barrelage, the wet and dry split and the tenure. A food-led gastropub turns on covers, spend per head and food margin. A pub with rooms turns on the balance of wet, food and accommodation income. A freehold free house carries the strongest security and the keenest leverage, while a leasehold or tenanted pub turns on the lease residue and the tie. We arrange finance across every pub type below, matching each property and operator to the lenders that actively back it.