Industry finance
Hospitality business loans
Roster the staff and stock the cool room before you know whether the week brings a full house.
Common USEs
Where hospitality businesses use finance
Facility upgrades
Renovate guest rooms, dining areas or outdoor spaces, so the venue looks as good in person as it does online.
New equipment
Kitchen equipment and POS systems need replacing as they wear out or fall behind. Financing lets you buy (or lease) the next one and pay for it over time.
Staffing & payroll
Whether it’s chefs, waitstaff or managers, keep your team paid on time, including casuals you bring on for busy weekends.
Inventory management
Food and drinks are paid for well ahead of the sales that cover them, and hotels add linen and toiletries on top.
Seasonal fluctuations
Trade at a beach cafe or a CBD bar rises and falls with the calendar, while rent and power bills stay put through the slower months.
Event financing
Weddings and conferences need the room set up, catering ordered and extra staff booked, all paid for before anyone walks in.
Expansion
Opening a second bar or cafe, or adding rooms to your hotel, brings a new lease and fit-out, and you can spread that cost across the years the new space trades.
Marketing
Fill more tables and rooms with a billboard or online ads, and the funding to back it up.
Compare your options
Six ways to fund your venue
Why Valiant
Just one simple application.
Let us do the heavy lifting, comparing the panel and negotiating. You get all the options side by side and choose the one that’s right for you.
Dedicated specialists by your side.
You get a personal specialist who knows which lenders suit your industry and how to structure a deal so it actually works for you.
Your credit score, protected.
Explore with no credit check. See all your options, compare them properly, and choose with confidence.
30,000+ SMEs we've worked with.
Construction, hospitality, manufacturing, healthcare. Whatever your business needs, we know how to get it funded with the right loan.
Getting started
How to apply for a hospitality loan
Step 1
Get a quote
Tell us what your business needs and get quotes from 95+ bank and non-bank lenders.
Step 2
Get approved
Confirm your quote and we'll manage the application with your lender, so you can focus on running your business.
Step 3
Get funded
Sign your finance documentation and receive funding. It is that simple.
Requesting a quote has no impact on your credit score.
Our panel
Bringing you Australia's best business lenders
- All lenders
- Equipment
- Vehicle
- Working capital
- Invoice
- Trade & supply chain
- Commercial property
- Construction
Related articles
View all
FAQs
What does market saturation mean for hospitality operators in Adelaide?
In Adelaide’s key dining and wine regions, competition is concentrated in specific precincts. That means customer demand exists, but it is split across many operators, making differentiation more important than expansion alone.
How do Perth hospitality businesses deal with event-driven demand?
Perth venues often experience short bursts of strong demand around major events, followed by quieter trading periods. That uneven pattern requires careful planning around staffing and inventory.
Business loans in Perth are sometimes used to smooth operating costs between those peaks.
Why does Melbourne hospitality feel so seasonal?
Melbourne’s hospitality industry is shaped by tourism patterns and major events, which create clear peaks and quieter trading periods. That rhythm affects staffing, stock planning, and revenue consistency throughout the year.
What’s driving labour pressure in Sydney hospitality right now?
Sydney hospitality is highly competitive, particularly in high-density dining and entertainment areas. Businesses are competing for experienced staff, which has increased wage pressure and made rostering more challenging.
Business loans in Sydney can help venues manage cash flow during peak periods where staffing costs rise quickly.
Can I get hospitality finance with bad credit?
It’s not impossible, but lenders do prefer borrowers with a history of successfully repaid loans, so it’s important that you pay debts on time and manage your credit usage. If you have a poor credit score, check if any information on your record needs correcting or could be fixed. If you have current debts, try to drive those down before you apply for hospitality finance.
What is the typical hospitality loan approval timeline?
With Valiant, you can get funding in as little as 24 hours.
What documents do I need to access finance for hospitality?
Different lenders require different documentation, but at the very least, you can expect to provide business registration details, financial, tax and cash flow statements, and balance sheets.
How can I get a hospitality business loan?
If you've been looking into business loans for restaurants, bars, RSLs or tourism services, we can help. Fill out our quick form, and our lending experts will then get in contact to confirm your details and find the right funding solution for your needs.
How much does it cost to open a new restaurant?
According to the Restaurant Startup and Growth magazine, it can cost around $650,000 to start a restaurant in Australia, although the exact number will depend on factors like location, concept, and size. Obtaining a business loan to open a restaurant can help cover these costs and make the start of your hospitality journey a lot smoother.
How can I get a franchise business loan?
Applying for a business loan for franchise funding means you’ll have an easier time getting approved when compared to opening a completely new business. However, you’ll still be subject to the usual finance application process, meaning your net worth and credit history will be assessed, and you may be required to provide security. Need help getting started? Request a quote and chat with one of our lending experts.