Finance for your Restaurant, Takeaway or Cafe

Running a food business can take a surprising large investment. We can help find the funding solutions you need


  • Commercial mortgages from 2% above base rate
  • Lease deposit loans
  • Secured loans - £250,000 or more from 2% above base rate
  • Fit out and refurbishment funding

Setting up

  • 'Jigsaw' funding designed around your needs
  • Unsecured loans up to £25,000 from 4.9%
  • HP up to 60 months from 6%
  • Equipment Lease - with no capital costs


  • Cashflow support
  • Merchant cash advances
  • Working capital loans
  • Tax loans

Talk to Rangewell – the business finance experts

The right finance can be the key to a profitable business. We know every lender in the market who works with the food industry - our expertise and contacts help us find you the funding that's right for your business

Running any kind of catering business, be it a restaurant, takeaway or cafe means hard work and demands dedication and skills. But it can mean substantial financial rewards.

Those rewards dend on many factors - but underlying them all is the level of investment you can make in  your business.


You need premises in the right location. You need the right menu, price, and overall service experience your customers expect. You need equipment,  fittings staff and marketing.  If you can find a way to deal with the costs,  you could be running a lucrative business.


There are several styles of business to consider:


·         A restaurant offers seated dining. This can range from upmarket silver service to busy functional eateries designed for busy lunchtime workers. Finding a top chef may be essential for a successful restaurant, although costs, speed and volume may be more important for the lunchtime business. Restaurants may offer specialist cuisines.


·         A café serves coffee and various forms of food – and can offer seated as well as takeaway service. Brits now drink around 55 million cups of coffee per day and the café culture is flourishing, with 80% of people who visit coffee shops doing so at least once a week. Margins are high, but unit pricing is low  - you'll need lots of customers to make your coffee shop a success.


·         A takeaway prepares food that people collect and eat off the premises. A takeaway restaurant also  has the option to eat the same food in a restaurant or cafe environment. Many takeaways specialise in a particular menu type, such as Indian or Chinese cuisines.





Of course, whatever style of business you choose you will face some financial challenges.


At Rangewell, we understand those challenges, because we work with restaurateurs across the UK, from those with Michelin starred restaurants to fast food franchises. We understand those challenges you face, and we have an expert team who can help find the solutions to them.


We can work with you to understand your finance needs, and to find the most appropriate solution from the many types available.




Funding Options for your catering business

Getting the right kind of finance is essential. Buying premises or a going concern, equipping or refurbishment all present different funding needs.You may need to remodel your interior and re-equip your kitchen. You may need to refit your interior.


The first step in securing the funding you need is simply to understand the different types of finance available.

They include:

  • Funding for property

  • Funding for buying a business

  • Business loans

  • Asset finance - Leasing and Hire Purchase

  • Franchise funding

  • Cashflow funding

  • Tax funding



  • Find the most competitive funding to allow a new restaurant to equip its kitchen

  • Source a commercial mortgage to let a leaseholder buy the freehold of his city centre restaurant

  • Find the most competitive finance to allowa cafe operator to open new outlet in an upmarket riverside development

  • Find funding for equipment that undercuts the 0% deals offered by dealers

  • Help a takeaway fund the purchase of a fleet of mopeds for deliveries

Funding to buy an existing business

Whether you buying into an existing restaurant or catering business as a partner, or buying it outright, you will have a some substantial costs to consider. The profitability of the existing business, the location and the potential profits and the ongoing costs of staff and overheads will all need to be taken into consideration.


However, although costs may be high, buying an existing restaurant or catering business can present less of a risk, as the costs and profitability can be clearly predicted. This predictability means that lenders may be prepared to offer a number of solutions to help you acquire the business.



Business loans

Loans are the best known forms of business finance, and can provide answers to many different needs when you are buying a business, or looking to invest in one you already have, for example to refurbish your kitchen or extend your dining area. There are two main types of loans.


Secured loans are often used to borrow large sums of money, upwards of £250,000. They are ‘secured’ because the lender will require security in case you cannot pay the loan back. This could be your home, or your premises if you are the freeholder.


You can have longer to repay than other types of loan, and enjoy lower interest rates, meaning monthly repayments can be easier to fit in with your cashflow.


A secured loan could provide for major remodelling and extension of your premises.


Unsecured loans can be suitable for smaller sums, from £5000 upwards - although some lenders will not let you borrow more than one month’s turnover with an unsecured loan.  Some lenders can arrange unsecured lending within one working day, and although you will not need to put forward any assets as security against the loan, you will need to provide a personal guarantee.

Unsecured loans have a maximum term of 5 years.


An unsecured loan could provide the funds for fitting out a dining area, or to refurbish a bar.



See how we can help you find the most cost effective funding to buy a catering business <link>

Funding for property

If you are planning a new business, you may need to start with securing a property. Whatever type of catering you plan to  offer, the right location is important There’s no point, for example, offering a sandwich delivery service in a residential area or an upmarket restaurant in an industrial zone. If you already have a location, make sure your product is a good fit for your catchment area. For example, if you are considering trading in an industrial area, your target market will be office and other workers.

You can lease property, and at Rangewell we can help you find the best way to provide the deposit you need to secure the premises you want.


You might also consider buying premises for your business. There are some important advantages to buying. You can ensure your business is safe against rent rises, and build up a valuable asset for the future.  


Commercial mortgages can be used to buy business premises or an existing business. A lending manager will look at each application and will set the rate according to the risk. You may need a detailed business plan - the better your business proposition, the better the rates you are likely to be offered.


Bridging finance is used to provide short term access to large sums of money. It can provide fast access to funds for buying a property at auction, until a renovation is completed or waiting for a mortgage to be approved.

Commercial property finance is arranged on an individual basis.





As an independent café or takeaway you may face stiff competition from the major chains. A franchise from one of the leading names in the sector could reduce the risks, let you offer a familiar brand and provide support with marketing and buying, while still allowing you to be your own boss.

At Rangewell we are experts in helping all kinds of UK businesses find the funding they need to take up and run franchised operations.

See how we could put a catering franchise in your reach. <link>



Asset finance - Leasing and Hire Purchase

Your catering business requires a wide range of equipment. Your  kitchen will need ovens, ranges, refrigeration and ventilation. Your dining area will need furnishing. You may need vehicles for delivery.


Asset finance lets you spread the cost of equipment - or assets -  while those assets are already working for you. There are several types of asset finance:


Hire Purchase lets you hire assets until you have paid for them. It can be the simple way to spread the cost of items - such as a restaurant oven or seating – that you expect to give long service and will want to keep for the long term.


HP agreements generally last between 12 and 72 months and require a 10-20% deposit plus fixed monthly instalments.


Leasing is much like a rental agreement. You pay a monthly charge to use the asset. With some arrangements maintenance, repairs, registration will be the owner’s responsibility, giving you the asset without any of the costs of ownership.


It’s common for things such refrigeration equipment which will have a limited life – it means you can easily update your equipment when you need to.


Our asset finance team can help you lease or Hire Purchase almost any type or value of asset, new or used. Find out more here <link>.


Refinance Existing Assets

Your catering business has money tied up in assets. Asset refinance lets you use that money to fund your business, while still having full use of your assets. The finance company will buy the asset from you, providing you with the cash sum you need.  They then let you buy the asset back from them, with a new finance arrangement.


You can use your cash again, or reduce your monthly outgoings. Find out more here. <link>


Cashflow funding

Cashflow is a major challenge for every business, and it can be crucial to the survival of your catering business. If your trade is seasonal, cashflow can become a problem in your down season – but there are ways to help.


Revolving credit facilities bring a line of credit, with an agreed limit that you can call on when you need it. You only pay for the money you take out, so it can be a cost-effective way to raise funds if you need them in an emergency, or for the short term.


Merchant cash advances may be ideal if you take payments through a card terminal or PDQ machine. The lender works with your payment company, and can advance you the equivalent of up to one month’s turnover, which is repaid by automatically deducting a proportion of the payment every time that a customer pays by card.


We can work with you to help you find the finance you need to smooth your cashflow |<link>


Tax funding

Quarterly VAT or annual tax demands can cause a major drain on your cash flow. Tax loans help you to spread the cost of your tax demands into affordable monthly payments.


 Better control of cash flow


 Predictable monthly payments


 Quick and simple to arrange


 Avoids penalties

Find out how a tax loan could support smooth cashflow <link>


How we help you capitalise your catering  business


At Rangewell we work across the entire lending industry, and we have finance experts with personal experience in the needs of the restaurant, cafe and takeaway sectors.


That means we can provide a unique service. We will help you to find the most appropriate funding from lenders across the market – from established high street banks to alternative funding suppliers. We offer every type of finance including Unsecured and Secured Loans, Invoice FInance, Asset Finance, Merchant Cash Advance, Commercial Mortgages, Bridge Loans, Property Development Finance, Growth Finance and more.


We know the lenders who understand the needs of the catering industry and the most competitive rates for all types of lending. We can provide access to funders specialised in the sector, offering discounted rates, higher LTV’s and potentially lending on 100% goodwill.


Our promise is simple, We can help you cut the cost of investing in and running your catering business. Call us to discuss your needs.

What cafe, restaurant and takeaway operators says about finance...

I needed a restaurant that could attract a Michelin-starred chef. It was a major cost, but with an asset funding solution it was in our reach.

We wanted to buy a cafe close to a large industrial estate. Rangewell helped us to get the commercial mortgage we needed.

Opening a Tamil restaurant was an ambition for me, but most lenders didn’t see the potential. Rangewell helped me prove them wrong.

Helping you build your profits

Tailored funding

There are many types of business finance available. We can help you find the type that suits your business needs.

Repayments that can fit your operating budget

Whatever the scale of your business, we can find finance with repayments scaled to your turnover.

Scaled for your business

We can provide finance at any scale, from a single piece of kitchen equipment to a complete, start-of-the-art catering facility with refrigeration, environmental and cooking facilities.

Funding is secured on the assets themselves

Asset funding avoids risk to your other assets. If you found the repayments became a problem, the lender could simply repossess the equipment.

Funding for all types of equipment

Asset funding can cover virtually any type of equipment used in your catering business. A single arrangement can cover items from multiple suppliers.

Better than 0% supplier finance

Some suppliers may offer 0% finance deals on their equipment. Call Rangewell to understand how we can help you pay less than with these ‘interest-free’ deals.

Alternative Lending

Alternative Lending

    Our service is...


    Transparent and independent, treating all lenders equally, finding the best deals.


    Every type of finance for every type of business from the entire market - over 300 lenders.


    Specialist Finance Experts support you every step of the way.


    We make no charge of any kind when we help you find the loan you need.

    Frequently asked questions

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