Invoice Finance for Hospitality UK 2026

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Market Invoice is an independent UK invoice finance comparison site that ranks 87 UK invoice finance providers.

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, events and wholesale supply. Invoice finance applies to the B2B portion, typically at 70 to 90 percent advance with fees quoted per facility. The card revenue is better funded via merchant cash advances (Liberis, 365 Business Finance), Stripe Capital or business credit lines (iwoca). Catering businesses with strong corporate or contract supply (university catering, hospital food, event catering) qualify for traditional invoice finance most easily.

Seasonality note for summer 2026: hospitality B2B invoicing (weddings, corporate events, festival and conference catering) peaks May to September, exactly when card-side cash is tied up in stock and staffing. Financing the B2B invoices over these months is the cleanest way to fund the seasonal ramp.

What this page covers

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

ProviderFee fromMin turnoverWhy it fits
Bibby Financial ServicesNot publishedNot publishedCatering, hotel groups, contract supply
Skipton Business FinanceNot published£100kMid-market catering and hospitality
HydrVariableNo minSelective spot factoring on one-off corporate event invoices
AldermoreNot published£750kConfidential discounting for larger hotel groups
AP

Adam Parker

Founder & Managing Director, Muswell Rose, founder and PSC of Best Business Loans Ltd

Adam is the founder and managing director of Muswell Rose and a founder of Best Business Loans Ltd, the company behind Market Invoice. He spent over three years as managing director of Penny, a UK invoice finance business, and his career runs through insurance, mortgages, commercial finance and fintech lending. He writes the Market Invoice library.

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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, typically at 70-90% advance with fees quoted per facility. 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) usually get better terms because the debtors are large, creditworthy organisations. Bibby Financial Services, Aldermore, Skipton and Pulse Finance all serve catering. Selective spot factoring (Hydr) 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 an agreed percentage of future card sales, or short-term business loans and credit lines (iwoca, Funding Circle). Stripe Capital is also an option if you take card payments through Stripe.

Hotel invoice finance UK: what's available?

Hotels with corporate account business (booked via TMC platforms, conference bookings, event invoices to companies, 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 offers confidential discounting for hotel businesses above its £750k published minimum; 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?

Event catering invoices to business clients are financeable once the event has been delivered and invoiced. Wedding invoices to private couples are consumer debts, which most invoice finance providers will not fund, and deposits taken in advance are not receivables. Mainstream providers such as Bibby and Skipton will look at event catering ledgers. Selective spot factoring (Hydr) suits one-off large corporate events.