Capital That Keeps Your Kitchen Running
From equipment upgrades to second-site fit-outs, get the funding your restaurant needs without the red tape of traditional bank loans.
- ✓ Soft search only — no impact on your credit score
- ✓ Money in your account in about 24 hours
- ✓ Compare lenders with one application
2,400+ businesses fundedNo upfront fees • Free quote in minutesTwo banks told me to come back next year. These guys had the money in my account by Thursday.
Nobody ran a hard search, nobody played games. The offer they showed me is the offer I got.
Bought a second van right before our busy season. It paid for itself in two months.
How much would actually help?
We build around your business.
No collateral required
We fund the business on its revenue — not your possessions.
Pay when you can
Repayment follows your actual sales — strong months pay more, slow months ease up.
Funded fast
Most owners see offers the same day and money within ~24 hours of signing.
Restaurant Business Funding
Restaurants face a funding paradox: they're among the most capital-intensive small businesses to operate, yet traditional lenders consider them among the riskiest to finance. Between equipment that costs tens of thousands, fit-out expenses that run into six figures, and razor-thin margins that fluctuate with seasons and trends, most high-street banks simply won't extend meaningful credit to hospitality operators.
Granton Hale takes a different approach. We assess restaurants on daily transaction volume, card-terminal data and revenue consistency — not just personal credit history, and a soft search leaves no mark on your file. We understand that a restaurant taking £25K per week in card sales is a fundamentally different risk than its credit score suggests. Our underwriting rewards operators with strong, consistent revenue even if their balance sheet carries the debt typical of restaurant fit-outs.
Whether you're upgrading to a commercial-grade kitchen, expanding your dining room, opening a second site, or simply need working capital to cover payroll during a quiet January, we structure funding around the reality of restaurant cash flow — including seasonal dips and the lag between food costs and revenue collection. Most deals need no personal guarantee.
The funding gaps we close.
Equipment Failures and Upgrades
A broken walk-in fridge or failing oven can halt operations overnight. Commercial kitchen equipment costs £4K–£80K+ per unit, and most restaurants can't absorb unplanned capital expenditure without outside funding.
Seasonal Revenue Swings
January through March can see revenue drop 20–40% compared with peak summer or festive months. Fixed costs — rent, insurance, salaried staff — don't decrease, creating cash-flow crunches that threaten operations.
High Upfront Fit-Out Costs
Opening or refurbishing a restaurant typically requires £150K–£600K+ in fit-out expenses, from kitchen ventilation and plumbing to seating, décor and accessibility compliance — all before serving a single customer.
Thin Margins Under Rising Costs
Food costs, labour expenses, and delivery-platform commissions (20–30% per order) compress already slim margins. A 5% rise in ingredient costs can wipe out profitability without corresponding menu price adjustments.
Funding built for your work.
Fund commercial kitchen equipment, refrigeration, card terminals and furniture with terms designed for the useful life of restaurant assets.
Bridge cash-flow gaps between quiet seasons, cover payroll during ramp-up periods, or fund marketing pushes for new menu launches.
Structured financing for refurbishments, fit-outs, and second-site expansions with predictable monthly payments.
Repay as a percentage of daily card sales — payments naturally decrease during quiet periods and increase when business picks up.
Your funding in three steps
Apply online
- 60-second form, plain questions
- Soft search only — no score impact
- Bank-level encryption
Compare real offers
- Every option, side by side
- Same-day decisions
- Free to look — no obligation
Get funded
- Funded within ~24 hours
- No hidden fees, ever
- Built around your needs
What owners do with it.
Fund terrace additions, interior redesigns, or kitchen expansions to increase covers and revenue per square foot.
Finance commercial ovens, walk-in fridges, dishwashers, or ventilation systems without depleting operating capital.
Cover the fit-out, staffing, and initial operating costs of expanding to a new neighbourhood or town.
Invest in delivery infrastructure, catering equipment, packaging, and marketing to open new revenue channels beyond dine-in.
Owners just like you — funded.
Real businesses, real outcomes. Names and details changed for privacy — the numbers are typical of funded files.
Fair questions, straight answers.
01Can I get funded if my restaurant has only been open for a year?+
Yes. We work with restaurants that have at least 6 months of trading history and consistent daily transaction volume. We review your card-terminal data and bank statements to assess revenue patterns rather than requiring years of filed accounts.
02Do you require security for restaurant funding?+
Most of our restaurant funding products are unsecured or secured only by the equipment being financed. We don't ask you to pledge your home or personal assets, and most deals carry no personal guarantee. Our underwriting is based primarily on your revenue and business performance.
03How does repayment work during my quiet season?+
With our revenue-based financing, repayment is tied to your daily card sales. During quieter months like January, your payments automatically decrease proportionally. This protects your cash flow when you need it most.
04Can I use funding for a restaurant fit-out or refurbishment?+
Absolutely. Fit-outs and refurbishments are among our most common restaurant funding use cases. We can structure term loans for larger projects and release funds in stages aligned with your build programme.
See your numbers first. Then decide.
- ✓ Pre-qualify in 60 seconds
- ✓ No obligation, no pressure calls
- ✓ Real people behind every file — 100% online