All sectors

Sector — Hospitality & Hotels

Capital tuned to RevPAR, ADR and seasonality.

Hotel acquisition and development, branded conversions, restaurant rollouts and hospitality-group refinance. We orchestrate lenders fluent in operator metrics, brand standards and seasonal cash flows.

  • Keys financed

    4,200+

  • Brands worked across

    18

  • Avg ticket

    £8M

  • Hospitality-aware lenders

    24

Pillars:Property Business

Where are you?

Pick the path that looks like you.

Each branch maps to the playbook the desk would actually run for you — not a generic funnel.

Hotel acquisition (single asset)

You're acquiring a single hotel — branded or independent — and need senior debt that respects operator track record and EBITDA.

Recommended play

Acquisition senior + capex tranche from a hospitality-aware lender

  • Underwriting against trailing-12 RevPAR, not bank-standard rental yield.
  • Capex tranche pre-built for brand-mandated upgrades.
  • FF&E reserve negotiated into facility from day one.
Open a hotel briefing

Hospitality Pulse

Lender appetite, hospitality edition

Live signals from the desk. Last refreshed .

  • property

    Tier-1 challenger bank · Senior development

    −25 bps on 65% LTGDV

    Credit committee re-priced post-MPC. Repeat sponsors with delivered comparables only.

  • property

    Specialist bridging house · Refurb-to-let bridge

    Now lending to 80% LTV (was 75%)

    Reopened postcode list across NW + Yorkshire. Faster valuations via desktop AVM.

  • business

    Two clearing banks · Working capital RCF

    Margins held; covenants softened

    Leverage covenants relaxed by 0.25x for £5m+ revenues with audited accounts.

  • business

    Alt-fintech lender · Revenue-based finance

    Pulled appetite for hospitality

    Second consecutive quarter of arrears uptick in casual dining cohort.

  • property

    Family-office mezzanine · Stretched mezz on resi dev

    Hurdle IRR cut 150 bps for repeat sponsors

    Rotating out of equity into debt. Wants £3–8m strips, full QS oversight.

  • business

    Two private credit funds · Unitranche £10m+

    Tightened pricing 50–75 bps

    Competing aggressively for sponsor-backed mid-market refis ahead of June.

Hospitality Co-pilot

Ask anything. Scoped to hospitality & hotels.

Grounded in 1X Financial's hospitality field notes — never the open web. No fabricated lenders, no invented rates.

Funding Map

Typical £15m branded-hotel acquisition

Indicative structure for a 90-key branded hotel acquisition with planned capex programme.

Day 1Practical completion
  • Senior acquisition debt60%

    SONIA + 425–550

    Hospitality-aware specialist or challenger.

  • Capex tranche10%

    Drawdown facility

    Brand-mandated upgrades over 18 months.

  • Mezz / preferred15%

    11–13% pa

    Family-office or hospitality fund mezz.

  • Sponsor equity15%

    Hurdle 18–22%

    Operator skin-in-game.

Deal Anatomy — Hospitality

Anonymised live cases we've actually closed.

The structure, the lenders shortlisted, why it closed — and what nearly killed it.

See full anatomy
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Pillar
Ticket

1 of 1 cases

  • asset£420k

    £420k of yellow-metal across 3 captives — saved sponsor 7 months

    Civils contractor, 32 staff, £8m turnover

    Blended cost down 180 bps; sponsor kept working capital intact.

    Closed in

    9 working days

    Shortlisted

    6

    Layers

    3

    Full anatomy

Hospitality scenario lab

Pre-loaded with deals we actually do.

Pick a preset that matches your deal — then drag to stress it. Same model the desk runs in pre-credit calls.

Blended cost of capital

11.90%

Annual debt service

£207,000

DSCR

2.03×

Equity required

25% · £750,000

Indicative only. Real pricing reflects sponsor profile, asset, jurisdiction and current lender appetite.

Your stack

The capabilities hospitality & hotels actually use.

Each links into the full capability page — pricing, ticket, partners and live appetite.

Engage the desk

Bring us a live deal — we'll come back inside 48 hours with a shortlist.

Briefings are free. Architecture calls are free. The first lender shortlist is free. You only ever pay on completion.

Open a hospitality briefing