Facility upgrades
Access funding for renovations for guest rooms, dining areas, or outdoor spaces.
Finance for hospitality businesses
Running your dream restaurant, pub, or catering business can be incredibly fulfilling—but it comes with its hurdles. Be it cash flow, equipment upgrades or event financing, we give you the financial stability you need to stay ahead of the competition.
Requesting a quote has no impact on your Credit Score.
Common financing needs for food services and guest stays
Whether you're just starting out, expanding or buying a franchise, the right loan can help you access the capital to drive your business forward.
New equipment
Time for an upgrade? Financing helps you buy (or lease) kitchen equipment, POS systems, and more—without the hefty upfront cost.
Staffing and payroll
Whether it is chefs, waitstaff or management, with a business loan, you can make sure that your team is compensated on time.
Inventory management
Maintain sufficient levels of inventory with the capital you need for food, drinks, linens, toiletries, and more.
Seasonal fluctuations
Bridge the gap during slower periods and make sure your business remains stable even when revenue is lower.
Event financing
Get the funding you need for everything event-related, from space preparation to catering and logistics.
Expansion
Expanding your hotel, restaurant, bar, or cafe? Financing helps fuel your growth.
Marketing
Get your name out there—through billboards, local marketing, online ads, or all of the above—with the funding to back it up.
Finance solutions built for hospitality businesses
Equipment finance
Secure capital to purchase specialised equipment for your venue, including kitchen appliances, HVAC systems, POS machines, and tech upgrades.
Learn More
Business line of credit
Access funds as needed to handle seasonal fluctuations in revenue and manage cash flow gaps during off-peak seasons.
Learn More
Unsecured business loan
Borrow money to pay for routine business expenses (or cover unexpected costs) without needing to offer collateral.
Learn More
Business acquisition loan
Unlock the resources to purchase an additional hotel location, restaurant branch, or franchise.
Learn More
Requesting a quote has no impact on your Credit Score.
Types of hospitality businesses we finance
- Coffee shops
- Restaurants and bistros
- Bars and pubs
- Food trucks
- Bakeries
- Catering businesses
- Hotels and motels
- Event venues
- Breweries and distilleries
- Mobile hospitality services
- And more
We get the best deals from...
How to apply for a hospitality loan
STEP 1: GET A QUOTE
Tell us about your business loan needs and immediately receive quotes from over 90+ bank and non-bank lenders.
STEP 2: GET APPROVED
Confirm your quote and we handle your business loan approval so you can focus on what matters—your business.
STEP 3: GET FUNDED
Sign your finance documentation and receive funding. It is that simple.
Get a quote
Requesting a quote has no impact on your credit score.
Why choose Valiant
ONE APPLICATION TO 90+ LENDERS
We simplify business finance by handling the hard work. Complete a quick form or speak with a specialist, and we’ll match you with the right solution from 90+ lenders—often within 24 hours.
PERSONALISED SUPPORT
Our expert brokers cover all areas of commercial finance. From your first quote to settlement and beyond, you’ll have a dedicated broker by your side—ready to support your funding needs now and in the future.
BUILT FOR AUSTRALIAN SMEs
Since 2015, we’ve helped over 30,000 Australian SMEs across every industry access $3 billion in funding—supporting them through challenges and unlocking new opportunities.
FAQ's
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.
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 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.
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.
What is the typical hospitality loan approval timeline?
With Valiant, you can get funding in as little as 24 hours.
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.
Hear from our clients
This will be a short blurb about the Carpenter and his business and how financing helped his needs etc
Awards & key milestones
Our milestones are a testament to the amazing people behind Valiant.
.webp)
