Upgrading Your UK Pub with Tailored Equipment Financing

Aug 30, 2023

George Holmes

George Holmes

Managing Director + Co-Founder

Is your pub in need of a modern makeover? Upgrading your pub’s equipment is a strategic move to enhance customer experiences and keep up with evolving trends – but to do that, you might need to look into borrowing cash.

Well, pub and brewery owners are in luck, because equipment financing offers a smart solution for businesses looking to elevate their establishments without straining their finances!

In this blog, we’ll explore your options for UK pub financing, and how tailored equipment financing can get you started on the right foot. Transform your UK pub / brewery into a thriving and contemporary hotspot today!

Funding Your Pub’s Growth: Equipment Finance Options in the UK

Running a successful pub in the UK requires more than just great drinks and a welcoming atmosphere. To stay competitive and deliver exceptional experiences to your customers, you need modern equipment that streamlines operations and enhances the overall ambiance. However, the cost of upgrading equipment can be daunting, especially for small and medium-sized pub owners.

This is where equipment financing comes into play – in short, it’s a specialised form of financing designed to help businesses like yours acquire the necessary equipment without putting excessive strain on your working capital or resorting to hefty loans.

Equipment finance lending options in the UK offer tailored solutions that cater to the unique needs of pub businesses, allowing you to invest in high-quality equipment while maintaining your cash flow – unlike some other types of business loans.

Here’s an overview of some of the ways borrowing for equipment can be done:

Equipment Loans / Asset Finance

These loans are specifically designed to fund the purchase of equipment for your pub. They provide a lump sum amount that you can use to acquire everything from bar furniture and kitchen appliances to entertainment systems and POS terminals. With fixed repayment terms and competitive interest rates, equipment loans ensure that you can gradually pay off the cost of the equipment while benefiting from its immediate use.

Leasing Options

Leasing is another popular route for pub owners looking to upgrade their equipment. In a lease agreement, you essentially rent the equipment for a predetermined period. This can be particularly beneficial if you prefer staying up-to-date with the latest technology or if you’re unsure about committing to a long-term equipment investment.

Merchant Cash Advances

This innovative financing option is ideal for pub owners who experience seasonal fluctuations in revenue. With a merchant cash advance, you receive a lump sum payment in exchange for a portion of your future credit card sales. This allows you to invest in equipment now and repay the advance through a percentage of your daily sales. It’s a flexible option that aligns with the ebb and flow of your pub’s business.

Why We Recommend Equipment Financing

The beauty of equipment financing lies in its ability to empower you with the tools needed to grow and succeed. Instead of facing the financial burden of an upfront purchase, you can spread the cost over time while reaping the benefits of enhanced efficiency, improved customer experience, and increased revenue.

With the variety of lending options available, we can support you in choosing the one that best suits your unique business finance needs. Contact us today to learn more.

7 Benefits of Equipment Finance for UK Pubs

Running a successful pub in the UK requires a blend of tradition and innovation – so having the right equipment to make this a reality is paramount.

Equipment finance offers a range of benefits that can significantly enhance the growth and sustainability of your pub business:

1. Preserve Working Capital

Instead of making a substantial upfront payment to purchase equipment, you can allocate your capital strategically for other essential aspects of your pub, such as marketing, staffing, and inventory. This ensures that your business maintains a healthy cash flow and remains flexible in responding to unforeseen challenges.

2. Access to Modern Equipment

Staying competitive in the pub industry means staying up-to-date with the latest equipment and technologies. Equipment finance provides you with the means to access modern, state-of-the-art equipment without the burden of ownership.

3. Flexible Repayment Options

Equipment finance comes with flexible repayment options tailored to your pub’s financial situation. You can choose repayment terms that align with your cash flow, whether it’s monthly, quarterly, or annually. This flexibility ensures that your business can continue its operations smoothly without being weighed down by large, immediate expenses.

4. Tax Benefits

Depending on the financing structure and local tax regulations, equipment finance may offer tax advantages for your pub business. In some cases, lease payments can be considered as operating expenses, potentially providing tax deductions. Consulting with one of our experts can help you maximise these benefits and optimise your pub’s financial strategy.

5. Preserve Credit Lines

Keeping your credit lines open and available is crucial for any business, and equipment finance allows you to acquire the necessary equipment without impacting your credit limits. This is particularly valuable when you have other financing needs, such as expansion plans or emergency funding requirements.

6. Quick and Streamlined Process

Time is of the essence in the pub industry. Equipment finance offers a streamlined application and approval process, allowing you to acquire the equipment you need promptly. This means you can implement upgrades or changes to your pub’s operations without unnecessary delays, ensuring that you consistently deliver high-quality experiences to your customers.

7. Aurora Capital’s Expertise

When you partner with Aurora Capital for equipment finance, you gain access to a team with in-depth knowledge of the pub industry’s unique challenges and opportunities. We work closely with pub owners to understand their specific needs and craft financing solutions that empower their businesses to thrive.

Contact Aurora Capital to explore the benefits and options available for your UK pub business.

Mistakes to Avoid in Pub Equipment Financing

While equipment financing can be a game-changer for your pub business, it’s essential to approach the process with careful consideration and avoid common pitfalls. Here are some mistakes to steer clear of:

Neglecting Future Needs
Anticipate your pub’s future needs and growth, as well as your equipment requirements. Opt for flexible financing options that allow you to upgrade or add equipment as your business expands.
Choosing the Wrong Terms
Selecting the right repayment terms is crucial. Avoid committing to terms that strain your cash flow. Assess your pub’s financial situation and opt for repayment schedules that align with your revenue patterns.
Ignoring Total Cost
While low monthly payments may seem appealing, be cautious of agreements that extend the financing period. Longer terms could lead to higher overall costs due to interest.
Failing to Compare Offers
Different lenders and providers offer varying terms, rates, and conditions. With Aurora Capital, you can rest assured that only the very best lending options will come your way.
Not Reading the Fine Print
It’s crucial to read and understand the fine print before signing! Pay attention to interest rates, fees, and any clauses that might impact your ability to make changes to the equipment.
Overlooking Maintenance Costs
Equipment financing goes beyond the initial purchase. Consider ongoing maintenance, repair, and operational costs, ensuring your financing plan allows you to manage these expenses.
Neglecting Your Credit Score
Your credit score plays a role in determining your financing terms, and a higher credit score can lead to better rates. Prioritise maintaining a healthy credit score to secure more favourable financing options.
Ignoring Professional Advice
Pub equipment financing involves complex financial decisions. Don’t hesitate to seek advice from our financial experts to help you navigate the intricacies of financing and make informed choices.

Loan Repayment Options

Understanding the repayment options and rates is crucial for making informed financial decisions. With access to 50+ lenders through the Aurora Capital platform, we provide tailored solutions that align with your pub’s needs and financial capabilities.

We can also help provide access to:

  • Flexible repayment plans
  • Competitive interest rates
  • Fixed or variable rates
  • No hidden fees
  • Early repayment options
  • Personalised guidance every step of the way

To find out more about your specific loan repayment options, get in touch.

Get Funded Today with Aurora Capital!

Upgrading your UK pub’s equipment doesn’t need to be a financial burden. With tailored asset finance and equipment leasing options, you can revamp your establishment and provide customers with a memorable experience without getting into dangerous debt.

So, are you ready to explore equipment financing options for your pub? Get in touch with us today to discuss your business’s needs, and let’s work together to craft a financing solution that supports your pub’s growth aspirations while ensuring manageable loan repayment terms and rates.

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business funding is right
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Aurora Capital is here to help. Navigate our range of alternative funding options to find out more.





Merchant Cash Advance