An exclusive, invite-only event for businesses across the South East.

Hospitality Sector Spotlight: South East launch event

Event date and time

8 July 2026

11:30 - 14:30

Event address

Fleur De Lis 6-8 Delf St, Sandwich CT13 9BZ

Registration

To join the event, please register below.

Event details

We know the value of a strong network in your area.

Running a business can get lonely, but not when you have a strong local network around you. We’d love for you to join other business leaders in the South East for our Hospitality Sector Spotlight launch event.

Join Greg Roake, Relationship Manager at Allica Bank, for an exclusive session exploring the key challenges and opportunities for operators in the South East. We’ll cover everything from rising costs and changing customer behaviour, to investment priorities and access to finance.

You'll hear the latest insights on what's shaping the sector today, where ambitious operators are focusing their attention, and what businesses can do to stay competitive and keep growing.

Plus, it’s a great opportunity to meet more local hospitality business owners. It’s a chance to share experiences and get into the specifics of your goals and challenges with other local experts.

Breakfast and refreshments will be provided.

Places are limited, so reserve your place today.

Event schedule

11:30 – Arrival and networking

Meet fellow hospitality business owners from across the South East and hear from your hosts.

11:45 – Hospitality Sector Spotlight: key findings

We'll share the headline findings from Allica Bank's latest Hospitality Sector Spotlight report, including the biggest challenges and opportunities facing hospitality businesses today.

12:05 – What it means for the South East

A closer look at the trends shaping hospitality businesses in the region, as well as how operators are responding to changing customer expectations, rising costs and investment pressures.

12:25 – Discussion and Q&A

Ask questions, share perspectives, and discuss the findings with fellow business owners and the Allica Bank team.

12:40 onwards – Networking

Continue the conversation with connections old and new. Enjoy the opportunity to zoom out from the day-to-day and discuss the bigger picture of your business.

Your hosts

Greg Roake - As a local Allica Bank relationship manager, Greg has been supporting established businesses in the South East for over 11 years.

Criteria	Description
Loan size	£150,000 to £15 million
Repayment type	5-year interest only 5-year partially amortising
Arrangement fee	2.0%
Debt service cover	Commercial: 130% Semi-commercial: 120% Repayment cover calculated at pay rate for fixed rate mortgages and pay rate plus 2% for variable rates.
Early repayment charges	5 year fixed: 5%, 4%, 3%, 2%, 1% (years 1–5) Variable: 3% for the first 5 years

Criteria	Description
Loan size	£150,000 to £10 million
Repayment type	30 year capital & interest 5-year interest-only available at the start of the loan term for loans up to 75% LTV
Arrangement fee	1.5%
Debt service cover	130% Calculated on the rate not including the current account discount Repayment cover calculated at pay rate for fixed rate mortgages and pay rate plus 2% for variable rates
Early repayment charges	5 year fixed: 5%, 4%, 3%, 2%, 1% (years 1–5) Variable: 3% for the first 5 years
Owner-occupied hotels	Loans over 80% of VP value must be fully amortising from day one Personal guarantee to be given for any amount in excess of 70% of VP value

Criteria	Description
Loan size	£200,000 to £15 million
Repayment type	5-year interest only
Arrangement fee	2.0%
Interest cover	130% standard, 145% higher rate taxpayer Gross rent used for residential/ MUFB applications if; evidence of 3 months' loan repayments in cash via bank statements and one UBO/director with Experian Consumer score of 881+ plus a supporting personal guarantee. Otherwise we will use net rent assumption of gross rent minus 10%. HMO properties will always be assessed using gross rent minus 25%
Early repayment charges	5%, 4%, 3%, 2%, 1% (years 1–5)

Criteria	Description
Loan size	£500,000 to £15 million £5 million maximum loan for first time buyers
Repayment type	Capital and interest Experienced operators: 30 years First time operators: 20 years
Arrangement fee	1.5%
Debt service cover	130% adjusted EBITDA for children’s nurseries and experienced care operators 150% adjusted EBITDA for care first-time buyers Repayment cover calculated at pay rate for fixed rate mortgages and pay rate plus 2% for variable rates
Minimum size	Care homes: 20 bedrooms Specialist care: 4 bedrooms, if one or two properties, and flexible if there are three or more properties Children's nurseries: 40 places
Early repayment charges	5 year fixed: 5%, 4%, 3%, 2%, 1% (years 1–5) Variable: 3% for the first 5 years
Specialist care operators	Children’s learning disability care Adult learning disability residential care Adult supported living Minimum of three years as a specialist care home owner-operator required

Criteria	Description
Loan size	£150,000 to £10 million
Maximum loan to value	75% for residential and semi-commercial properties, 70% for commercial
Term	Up to 24 months
Fees	Arrangement fee of 2%, deducted from advance
Borrowers	UK registered limited companies, LLPs, partnerships and sole traders
Security	First legal charge over freehold or long leasehold title(s)
Insurance	Title insurance and search indemnity applied where possible
Valuations	AVMs and desktop valuations available up to 70%
Interest	Retained or serviced

Criteria	Description
Borrowers	UK registered limited companies, LLPs, partnerships and sole traders
Cost plan	Cosmetic: Higher of 15% of OMV, or £50,000 per property. Light: Higher of 50% of OMV, or £75,000 per property. Medium: Higher of 100% of OMV, or £100,000 per property.
Monitoring	Cosmetic and Light refurbishment to be monitored by our asset manager. Medium Refurbishment to be monitored by our QS.
Valuations	Full RICS valuation
Interest	Rolled. Rates are fixed and charged daily in arrears
Refurbishment type	Cosmetic: Works to improve speed of letting and compliance with regulations. Examples include redecoration, EPC improver works, compliance with utility regulations, boiler upgrades, modernisation. Light: As with Cosmetic, but higher cost plan. Medium: Loft conversions, reconfigurations, single story extensions, commercial to residential schemes.