Funding that flexes with your covers, not against them
Whether you run a hotel, pub, restaurant, or cafe, your cash flow is seasonal and unpredictable. Our funding repays as a percentage of your card sales - busy week, you pay more. Quiet January, you pay less. One fixed fee. No compounding interest.
Most hospitality businesses funded within 72 hours. Every application reviewed by a dedicated account manager.
What hospitality businesses actually spend it on
Kitchen equipment and refits
Commercial ovens, extraction systems, walk-in fridges. Whether you're adding a kitchen to a pub or upgrading an existing restaurant setup. One business used funding to buy all their top-of-the-range cooking equipment.
Restaurants, pubs adding food, cafes
Outdoor seating and beer gardens
Tables, chairs, branded umbrellas, heaters, canopies. One owner told us they bought outside tables, chairs, and corporate umbrellas ahead of a busy summer - and it brought in loads of extra business.
Pubs, restaurants, cafes
Room refurbishment and expansion
New beds, bathrooms, paint, furniture. Add rooms or bring tired ones up to standard. Seasonal prep to maximise occupancy during peak months.
Hotels, B&Bs, guest houses
Stock and seasonal preparation
Beer, wine, spirits, food supplies, staff recruitment before busy periods. Cover the upfront cost of a busy season and repay it once the money starts coming in.
All hospitality
Business pivot or rebrand
Transform a drinks-only pub into a food-led venue. Add a cocktail bar to a restaurant. Rebrand a tired B&B. Funding covers the upfront investment so you can compete.
Pubs, hotels, cafes
Working capital and cash flow gaps
Cover January. Pay staff during a quiet shoulder season. Bridge the gap between a bank decline and getting on your feet. Most businesses come back for second and third rounds once they see how it works.
All hospitality
Why it works for hospitality
Banks don't understand seasonal businesses. They want fixed monthly payments regardless of whether you're packed or empty. This is different.
“We bought outside tables and chairs and corporate umbrellas and a cocktail machine which brought us loads of business ahead of a busy summer. It was the right way to go.”
Verified business owner, YouLend Trustpilot review
Getting started takes 3 minutes
Fill in the short form
Monthly card sales, how long you've been trading, and how much you need. That's it.
Your account manager calls you
Not a call centre. Your dedicated CapExpand account manager explains the costs, the repayment percentage, and what to expect. No jargon, no pressure.
Funds land in your account
Once approved, funds can arrive the same day. Most hospitality businesses are funded within 72 hours.
Check what your hospitality business could access
3-minute form. No credit impact. Every application reviewed by a dedicated account manager.