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A merchant cash advance is one of the best-fitting UK SME funding products for independent hotels, B&Bs and serviced accommodation. High average ticket, 95%+ card-payment mix, predictable booking-led revenue and the routine cycle of room refurb, refresh and refit all map perfectly onto the MCA model. This 2026 guide explains pricing, eligibility, typical advance size and what hotel operators typically use the funding for. See also our seasonal businesses MCA guide and our hospitality sector guide. Updated for July 2026.
Apply for a hotel MCA →Move the sliders to see total repayable, monthly repayment and payback period — no signup, no credit footprint.
Want the in-depth calculator with worked examples, factor-rate explainers and APR comparisons? Open the full UK 2026 MCA calculator →
Estimates only. Final factor rate, repayment % and term depend on lender underwriting, card-takings history and director credit profile.
Independent hotel, B&B and serviced-accommodation use cases we routinely fund — from a single mattress refresh through to a full corridor refurb.
Mattress and linen refresh, repaint and recarpet, en-suite refits, smart-TV and in-room tech upgrades. Typical advance £15,000–£75,000.
Restaurant kitchen refurb, breakfast-room refit, bar makeover, expansion of conference/events offering. Typical advance £20,000–£100,000.
Roof, boiler, lift, signage and frontage capex — particularly common pre-summer and pre-Christmas trading peaks.
Direct-booking website rebuild, Google Hotel Ads, OTA boost spend, professional photography and revenue-management software.
Spa launch, gym fit-out, treatment-room conversion, EV-charging install — new-revenue-stream funding.
Bridging quieter winter months, paying VAT on time without disrupting working capital, smoothing OTA payment-cycle gaps.
MCA for hotels in your city: London · Manchester · Birmingham · Leeds · Liverpool · Bristol · Glasgow · Edinburgh · Newcastle · Sheffield · Cardiff · Belfast · Brighton · Republic of Ireland.
Hotel MCA eligibility is generous and underwriting is largely data-driven — UK hotels need to clear the basic bar.
For full underwriting detail — factor rates, repayment percentages, common reasons offers come in lower — see our pillar merchant cash advance UK guide or our dedicated MCA rates & APR explainer.
Every UK MCA city and sector page below uses the same panel of direct lenders — pick whichever is closest to your business and the same lender quotes will apply.
Yes — independent hotels and B&Bs are an excellent MCA fit. 95%+ card-payment mix, predictable forward bookings and equipment-led use cases all align with the MCA model.
Typically 80%–200% of one month’s card-takings. A hotel doing £40,000/month in card sales would typically be offered £30,000–£75,000 on a first advance.
Yes — the seasonal coastal model is well understood. MCA repayments flex with card sales, so quieter winter months just mean smaller deductions. See our seasonal businesses MCA guide.
Yes — room refurb and F&B kitchen refit are the two most common hotel MCA use cases. The advance is unsecured against the equipment or fit-out itself.
A commercial mortgage refinance is typically cheaper for large capex but takes 6–12 weeks. An MCA funds in 24–48 hours and is the right tool for sub-£200k refurb and working-capital needs.
Whether you run a single-property B&B, a boutique city-centre hotel or a multi-property serviced-accommodation business, we’ll run a single soft-search enquiry across our UK MCA lender panel and come back with indicative offers within hours.
Apply for a hotel MCA
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