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For HLP members, understanding how businesses across the leisure sector can access finance could help unlock valuable opportunities for your clients, whether that be to release funds held in assets, secure their premises or wider financial needs.

HLP Commercial has helped restaurant owners, pubs, hotels and more across the leisure sector, access funding solutions ranging from commercial mortgages, unsecured business loans, or release personal equity for investment.

Terms secured:              90% Loan to Purchase Price   /   75% Loan to Value

Our client had traded from their leased premises for some time and over that period made significant investment to the property. As such, their landlord was willing to sell at a reduced price against market value, allowing the client to benefit from that investment. Terms were secured at 90% against purchase meaning the client only had to find 10% deposit plus transactional costs to complete. Plus the lender added the fee to the loan balance over and above the 90% mortgage.

Hotel finance available up to 100% against VP Value, 75% MV1

Many people assume finance is only available when a business is established, whilst this certainly helps, it isn’t always the case. Many clients approach HLP Commercial to discuss starting new ventures through to expanding into additional premises or buying out or into a business (MBO/MBI).

Established hospitality businesses can also rely on finance to support growth and operational improvements.

Leisure Business  or Restaurant may seek finance to:

• Open a new restaurant branch
• Pay for renovations and modernisation
• Invest in new equipment
• Alter the floor plan or expand the premises
• Expand into new revenue streams
• Improve cash flow during seasonal fluctuations
• Purchase existing premises

In many cases, business premises can often be formed of mixed use property, inclusive of residential uppers, whether that be standard Buy To Let, HMO and Co-Living units or other residential based corporate lets. This can open the door to access more competitive terms on lower rates whilst also adding an additional income stream over and above the trading cashflow. Whether that be used to support a higher debt figure, supplement cash reserves for future investment or cover the low season periods, it can offer a genuine benefit to the property and business owners.

Speak to your dedicated specialist finance team today to find out how you can earn commission from as little as a name and number, benefiting from free initial advice so you know what terms are available, what debt can be structured and deliver an additional service to your client base.