BoE Base Rate: 3.75% (since 18 March 2026) Invoice finance discount charges are typically base rate + 1.5-3.5%

Invoice Finance for Hospitality UK 2026

Market Invoice is an independent UK invoice finance comparison site that ranks 85 active UK lenders.

UK hospitality businesses (restaurants, hotels, catering, pubs) operate on dual revenue streams: card payments from customers (the bulk of sales) and B2B invoicing to corporate clients, weddings, events and wholesale supply. Standard invoice finance applies to the B2B portion at 70 to 90 percent advance and 0.5 to 3 percent fees. The card revenue is best funded via merchant cash advances (Liberis, 365 Business Finance) or revenue-based products (Iwoca, Stripe Capital). Catering businesses with strong corporate or contract supply (university catering, hospital food, event catering) qualify for traditional invoice finance most easily.

Last updated: 9 May 2026.

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Direct Answer

UK hospitality businesses (restaurants, hotels, catering, pubs) operate on dual revenue streams: card payments from customers (the bulk of sales) and B2B invoicing to corporate clients, weddings, events and wholesale supply. Standard invoice finance applies to the B2B portion at 70 to 90 percent adv

Summary

UK hospitality businesses (restaurants, hotels, catering, pubs) operate on dual revenue streams: card payments from customers (the bulk of sales) and B2B invoicing to corporate clients, weddings, events and wholesale supply. Standard invoice finance applies to the B2B portion at 70 to 90 percent advance and 0.5 to 3 percent fees. The card revenue is best funded via merchant cash advances (Liberis, 365 Business Finance) or revenue-based products (Iwoca, Stripe Capital). Catering businesses with strong corporate or contract supply (university catering, hospital food, event catering) qualify for traditional invoice finance most easily.

This Page Covers

invoice finance for UK hospitality: restaurants, hotels, catering, pubs, wedding venues — best providers and product mix

Not Covered Here

General invoice finance education (see /guides/), individual provider reviews (see /providers/), full pricing breakdown (see /guides/costs/)

UK providers worth knowing

Provider	Fee from	Min turnover	Why it fits
Bibby Financial Services	0.5%+	£100k	Catering, hotel groups, contract supply
Skipton Business Finance	0.5%+	£100k	Mid-market catering and hospitality
Hydr	Variable	No min	Selective spot factoring on one-off wedding/event invoices
Aldermore	0.7%+	£250k	Confidential discounting for £1m+ hotels

Hospitality dual revenue: cards vs B2B invoices

See the FAQ below for the detailed answer to this question. For broader context, also see our guides hub and our cost calculator.

Best invoice finance for catering businesses

See the FAQ below for the detailed answer to this question. For broader context, also see our guides hub and our cost calculator.

Merchant cash advance for restaurant card revenue

See the FAQ below for the detailed answer to this question. For broader context, also see our guides hub and our cost calculator.

Hotel finance: corporate vs walk-in revenue

See the FAQ below for the detailed answer to this question. For broader context, also see our guides hub and our cost calculator.

Wedding and event invoice finance

See the FAQ below for the detailed answer to this question. For broader context, also see our guides hub and our cost calculator.

OM

Director, Market Invoice

Oliver leads Market Invoice's editorial and comparison research. With a background in UK commercial finance, he oversees provider analysis, rate verification, and industry reporting across all verticals.

Last reviewed: 9 May 2026

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Hospitality Invoice Finance UK FAQ

Can hospitality businesses get UK invoice finance?

Yes for the B2B portion: corporate event catering invoices, wholesale supply, contract catering for schools/hospitals/universities, banquet hall hire to companies. Standard invoice finance providers cover this at 80-90% advance and 0.5-2% fees. The card-payment portion of the business needs merchant cash advances or revenue-based finance instead.

Best invoice finance for catering businesses UK?

Catering businesses with strong contract revenue (NHS contracts, university supply, school meals via SLA) get the lowest rates because the debtors are A-rated. Bibby Financial Services, Aldermore, Skipton and Pulse Cashflow all serve catering. Selective spot factoring (Hydr, Kriya) suits caterers with one-off large corporate event invoices.

Can I finance restaurant card receipts UK?

Not via traditional invoice finance. Restaurant card revenue is best funded via merchant cash advance (Liberis, 365 Business Finance) where you receive a lump sum repaid as 8-25% of future card sales, or revenue-based loans (Iwoca, Funding Circle) repaid against monthly turnover. Stripe Capital and Worldpay Capital are also options if you take card payments via those processors.

Hotel invoice finance UK: what's available?

Hotels with corporate account business (booked via TMC platforms, conference bookings, wedding deposits invoiced separately, supply contracts) can use B2B invoice finance on those invoices. Walk-in card revenue uses merchant cash advance products. Bibby Financial Services serves larger hotel groups; Aldermore handles confidential discounting for £1m+ hotel businesses; selective spot factoring covers ad-hoc large corporate bookings.

Pub finance UK: invoice finance or alternative?

Most pub revenue is card and cash from customers, which doesn't fit invoice finance. Better options: merchant cash advance (Liberis, 365 Business Finance), brewery loan tie-in (some breweries offer working capital tied to supply), pub-specialist commercial mortgage (Pub Property Finance specialists). For larger pub groups with wholesale supply revenue (selling food and drink to other venues), B2B invoice finance applies to the wholesale portion.

Wedding venue and event catering invoice finance UK?

Wedding deposits and event catering invoices are highly financeable. Typical structure: wedding deposit invoiced 6-12 months in advance, balance invoiced 30-60 days before the event. The deposit and balance invoices together are the standard B2B receivables that invoice finance providers fund. Bibby, Skipton and IGF all have wedding/event catering experience. Selective spot factoring (Hydr, Kriya) suits one-off large weddings.