Access to banks and specialist lenders
We compare finance options from banks and specialist non-bank funders. Rather than being limited to one lender's products, we help you find a finance solution that's suited to your business and future plans.
Industry
Hospitality
Finance for hospitality businesses with seasonal trade, high operating costs and ambitious growth plans.
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Hospitality businesses operate in a fast-moving environment where seasonal trade, labour costs, rent reviews and ongoing operating expenses can all affect cash flow. Significant upfront investment in fit-outs and equipment also means finance plays an important role in supporting both day-to-day operations and long-term growth.
At 3LANE Finance, we help cafés, restaurants, bars, caterers and other hospitality businesses across Sydney and NSW secure finance that's structured around the realities of the industry. Whether you need funding for a fit-out, commercial kitchen equipment, working capital or business premises, we compare lenders across our broad lender panel to find the right solution.
We understand that not every lender assesses hospitality businesses in the same way. By matching your business with lenders that recognise the strength of your operation rather than relying on broad industry assumptions, we help present your application in the strongest possible light.
Why choose 3LANE Finance
Hospitality businesses face unique lending challenges. We understand how your industry operates and present your application in a way that reflects the strength of your business. Whether you're opening your first venue, purchasing additional premises or refinancing existing facilities, we'll help you identify suitable lenders, structure the finance correctly and manage the process from application through to settlement.
Hospitality finance expertise
We understand how lenders assess seasonal trading patterns, fit-out costs, equipment investment and hospitality cash flow. We structure your application to reflect your business's performance across the full trading cycle rather than a single quieter period.
Smarter lender selection
Not every lender assesses hospitality businesses in the same way. Before you apply, we identify the lenders whose policies align with your circumstances, helping improve your chances of approval while avoiding unnecessary applications.
End-to-end support
From your first conversation through to settlement, we manage your finance application, liaise with the lender and keep the process moving. As your business grows and your finance needs change, we're here to help you review your options and plan your next stage of growth.
How we help
Hospitality businesses need finance that's aligned with the way they trade. We help you secure funding that's structured around your cash flow, growth plans and the realities of the hospitality industry.
Hospitality income can fluctuate significantly between peak and quieter trading periods. When lenders assess only a single month or quarter, they may not see the true strength of your business.
We present your trading performance across a full business cycle, including seasonal peaks, so lenders can accurately assess your earning capacity and cash flow requirements rather than relying on a quieter period as your baseline.
- Commercial property finance to purchase hospitality premises or invest in freehold property
- Fit-out and equipment finance for kitchens, bars, cafés and dining spaces
- Working capital finance to help manage seasonal cash flow and day-to-day operations
How lenders assess hospitality businesses
Hospitality businesses are often assessed differently by different lenders. Some place significant weight on historical profitability, while others place greater emphasis on lease terms, location, management experience and trading history.
Understanding these policy differences can help improve the strength of an application and avoid approaching unsuitable lenders
Why hospitality finance applications are declined
Common reasons include:
- Inconsistent BAS reporting
- ATO arrears
- Poor cash flow presentation
- Insufficient working capital
- High fit-out costs
- Short lease terms
- Weak debt servicing
- Incorrect lender selection
We identify and address potential issues before presenting your application to lenders.
Finance for your hospitality business
Running a hospitality business is demanding enough without navigating a complex lending market. We make the finance process simpler by identifying the right lender, structuring your application and managing the process from start to finish.
01
Understand your business
We take the time to understand your goals, cash flow, security, timeline and the type of finance you need. We also consider the factors lenders assess when financing hospitality businesses, including seasonal trading patterns and operating costs.
02
Structure the right solution
We compare lenders, loan structures and repayment options before you apply. By matching your business with a lender that's suited to your circumstances, we help strengthen your application and structure finance that supports your long-term growth.
03
Manage your application
We prepare your application, liaise with the lender and keep the process moving through to settlement. With 3LANE Finance managing the details, you can stay focused on running your hospitality business.
Run the numbers
Estimate repayments, borrowing power and stamp duty for your hospitality business. Indicative only — your broker can confirm the figures for your scenario.
Monthly repayment$4,497
Fortnightly$2,075
Weekly$1,038
Total interest$868,786
Estimates only — not a quote, credit assessment or finance approval. Figures exclude fees and assume principal & interest repayments. Stamp duty uses NSW general rates, which are indexed and may change. Speak to a 3LANE broker for numbers specific to your situation.
Get a tailored assessmentAreas we service
Based in Marrickville, we support borrowers across Sydney and NSW — in person or remotely.
- Marrickville
- Inner West
- Sydney CBD
- Eastern Suburbs
- North Shore
- Northern Beaches
- Parramatta
- Greater Western Sydney
- Sutherland Shire
- Across NSW
Related pages.
Explore related services and industries we support.
FAQs
Quick answers for clients comparing finance options.
Yes. We can present your trading pattern across a full business cycle and identify lenders whose assessment approach is better suited to seasonal hospitality businesses.
Yes. We arrange fit-out and equipment finance for hospitality venues, comparing chattel mortgage, lease and rental finance structures to suit your cash flow.
Yes. We arrange commercial property finance for hospitality operators purchasing their own venue, structured around the business's serviceability.
Yes. We structure working capital and cash-flow finance to help manage seasonal dips in trade, rather than leaving your business exposed during quieter months.
In many cases, yes, although policy varies by lender for pre-revenue or newly opening venues. We will confirm which lenders on our panel can support this.
We work across major banks and specialist non-bank funders. We work to match the right financial solution to your hospitality business’ needs.
Yes. We arrange finance for franchise operators, factoring in the franchise agreement and brand's trading history where relevant to the lender's assessment.
Our services are free to you, as the lender pays us a commission when your finance settles. If a particular scenario ever required a fee, we would explain and agree this with you in writing first.
Timeframes vary by lender and equipment type, but standard kitchen and venue equipment with an established resale market is often approved faster than custom fit-out.
Yes. We check in periodically to see whether your current rate, structure and features still suit your hospitality business, and your expansion plans.
Talk to 3LANE
Finance your next move with confidence
Whether you’re opening a new venue, expanding, refinancing or purchasing premises, we’ll help you identify suitable lenders and structure finance around your hospitality business.