Hotel FF&E finance
Bedroom refurbishment is the one investment a hotel cannot defer forever, because rate is set by the room and guests photograph everything.
- FCA regulatedAppointed Representative, FRN 1031964
- 60+ lendersWhole-of-market panel, not one bank
- 5.0 from 19 Google reviews
- No credit checkEnquiring leaves no mark on your file
Yes, and hotel furniture, fixtures and equipment is regularly funded, though what sits on an asset agreement varies. Beds, casegoods, televisions, safes and electronic door locks are identifiable items that funders will fund; curtains, carpets, decoration and fitted joinery are building costs with no recovery value. Used FF&E is not a meaningful market. The thing to prepare is the schedule: funders want a room-by-room list of what is being bought and where it goes, not a single line saying refurbishment, because a vague invoice is the quickest way to slow an application down.
Who finances this
Independent hotels and small groups working through a bedroom refurbishment programme, often floor by floor to keep rooms selling, operators under a brand standard with a mandated refresh cycle, and buyers of a tired property upgrading to reposition rate. The trigger is usually competitive pressure on average daily rate, a franchise requirement, or the point where maintenance on old beds and bathrooms costs more than replacement.
How lenders see it
Hotel FF&E is a mixed bag and funders unpick it line by line. Contract beds from Hypnos or Harrison Spinks, hospitality televisions, minibars and electronic locking from Salto or VingCard are identifiable products with some resale value, so they support a facility. Carpets, curtains, wallpaper, bathroom pods and fitted wardrobes are fixtures with none. Because most refurbishment budgets are weighted toward the soft side, the decision rests heavily on the hotel’s accounts, occupancy and RevPAR, whether the property is owned or leased, and any existing mortgage or charge over the business. Owner-operators of freehold hotels are the easiest to place. Leasehold operators on short terms and hotels mid-turnaround are considerably harder and may need a mixed structure of asset finance and a loan.
Buying used
Rarely. Second-hand hotel furniture has minimal value and brand standards usually require new, so funders expect new FF&E supplied by contract suppliers.
Also in catering and hospitality finance
See everything we fund in catering and hospitality finance →
Funding a seasonal trade
Flowzo funds restaurants, pubs and cafes against card takings rather than filed accounts, useful when the kit is bought and the quiet months still have to be covered.
Machines we have funded
| Hypnos Contract beds | Contract mattresses and divan bases |
|---|---|
| Harrison Spinks contract beds | British-made contract mattresses for guest bedrooms |
| Samsung hospitality displays | In-room televisions with hotel modes |
| LG Pro:Centric hotel televisions | In-room screens with hotel software |
| Philips MediaSuite hotel televisions | Professional in-room displays for guest bedrooms |
| Salto XS4 door locks | Wireless guest room locking |
| Assa Abloy VingCard locks | Guest room door locking hardware |
| Dormakaba hotel locking | Access hardware for guest bedrooms |
| Hill Cross Furniture bedroom furniture | Contract wardrobes, desks and headboards |
What parts of a bedroom refurbishment can actually be financed?
The identifiable items: beds, mattresses, casegoods, televisions, safes, minibars and door locking. Carpets, curtains, decoration, bathroom fittings and fitted wardrobes become part of the building and are treated as soft cost. A good funder will carry some of the soft element alongside a strong schedule of the fundable items, but the split is where every application starts.
Can I refurbish floor by floor and fund each phase?
Yes, and phasing is common so rooms keep selling. It can be funded as separate facilities per phase or as one facility drawn down in stages, depending on the funder. Tell us the full programme at the outset, because sizing it once is simpler than going back for a new approval every few months.
Does owning the hotel freehold make a difference?
A significant one. Freehold owner-operators are the easiest hotel applicants to place, because there is an underlying asset and no lease expiry to worry about. Leasehold operators are funded too, but the remaining term, the rent and any existing charges over the business will all come into the assessment.
Will a funder want a full equipment schedule?
Yes, and it speeds everything up. An invoice reading simply refurbishment tells an underwriter nothing, whereas a schedule listing beds, televisions and locks by room lets them separate the fundable items from the fit-out. Ask your supplier to break the quotation down by item and quantity before you submit anything.
Can public areas and the restaurant be funded at the same time?
Yes, and combining them often improves the mix. Restaurant kitchen equipment and bar refrigeration are proper hard assets, so putting them on the same facility as the bedroom FF&E gives the funder a stronger schedule than bedrooms alone and leaves you with one agreement covering the whole project.
Tell us what you need
About a minute of plain questions, and no documents to dig out.
Prime is established and profitable with clean credit. Specialist covers newer businesses and credit that needs explaining, the asset carries part of the risk, so finance is often available where an unsecured loan is not.
Illustrative only, not a quote, a flat rate is not an APR, so the APR on a given agreement will be higher. VAT and fees excluded.
Start my enquiryNo credit check, and enquiring leaves no mark on your credit file. Finance is subject to status. We are a credit broker, not a lender.
Only pricing it up?
An enquiry is a conversation, not an application. Nothing runs against your file until you tell us to go ahead.
No credit check to enquire
Your credit scoreUntouched
Conor reads every enquiry himself. We will call you within 24 business hours, and it will be the person who actually arranges the finance, not a call centre, and not a form that disappears.
A real person on your side
One adviser from your first enquiry to the money in your account. No call centres.
Your adviser
Conor HullMon to Fri, 9am–6pm
5.0 from 19 Google reviews
Thinking about hotel ff&e finance?
A few questions, and we will tell you what the panel can do. No obligation, and no call centres.
