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hospitality

Expert banking for hospitality operators

Get quick decisions, long-term finance that works for your business, and support from the people who really understand your industry.

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Banking that works for hospitality

Full service banking built exclusively for first-time buyers, experienced hotel owners and growing pub and restaurant operators.

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Do more with your cashflow

Smooth out seasonal dips and stay in control with a business overdraft, linked Savings Pot earning up to 4.08% AER1 (variable), and uncapped cashback2.

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Expand your business with confidence

From property projects to equipment upgrades and more, get the lending your business needs to grow.

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Built for how hospitality actually runs

For operators who need dedicated support, fast decisions and smarter banking tools.

1 Rate includes standard rate of 2.83% AER (minimum balance applies) plus a 0.5% boost each month if you make 15 bank transfers out of the account in the previous month, and a 0.5% boost for six months if you complete a switch with CASS and a 0.25% Welcome Boost for 3 months for new customers who deposit £50,000+ into their Savings Pot within 14 days. Rates correct as of 19th December 2025. ‘AER’ stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year. Subject to eligibility – see Savings Pot Key Product Information for more details.

2 Cashback is variable and based on card spend. Exclusions apply. See a full list of limits and fees here.

How we helped a business like yours

The Devil’s Stone Inn pub is saving £1,000 a month by refinancing with Allica.

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What’s next for the hospitality sector?

In partnership with UKHospitality, the leading trade body for the sector, our latest hospitality report analyses the data shaping the UK market. 

You’ll uncover what’s really going on in the sector, including:

  • The biggest pressures on hospitality businesses today, from rising costs to changing customer behaviour
  • The £65 billion lending gap preventing growth for UK businesses
  • How you could be leaving money on the table by holding your surplus cash in a current account paying little or no interest
  • And so much more...
The hospitality sector has had more than its fair share of challenges over the past few years. At the same time, many operators are finding it harder to get support from their bank, even when they have strong businesses and clear plans for growth. By taking the time to understand the sector and the people behind the businesses, we can provide the funding and relationship-led support that hospitality operators need to keep growing.
Morgan Keating
Senior Specialist Relationship Manager - Hospitality
Running a multi-site hospitality business, we’re facing constant pressure from rising costs and shifting customer behaviour. We’re still investing, but much more selectively, focusing on experiences that keep our venues busy. One of the wider challenges in the sector is access to finance, with many lenders still cautious around hospitality. We’re fortunate to have a banking relationship that understands how our business operates, which makes a real difference when it comes to making growth decisions.
Adrian Harvey
Suburban Inns Ltd
Hospitality is being squeezed from every angle just now. Food and wage costs remain high, but in Scotland the biggest frustration has been business rates increasing sharply as soon as you perform well. It can feel like success is being penalised. We’re still committed to investing and growing the business, but accessing finance is harder when rising fixed costs reduce flexibility and confidence.
Callum McLeod
EEUSK & Piazza Ltd

How we can help

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Owner-occupied commercial mortgage

Access the lending you need to buy or refinance your business premises with flexible terms and a dedicated team to support you.

Find out more.

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Bridging finance

Get short-term finance so you can move quickly on property opportunities, with flexible terms and quick decisions made by experienced lending specialists.

Find out more .

 

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Business current account

Allica’s Business Rewards Account makes managing your money easy, transparent and secure. And you’ll have access to support from our team whenever you need it.

Find out more .

 

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Business overdraft

A flexible business overdraft to help smooth out cashflow and cover short‑term costs, built into our Business Rewards Account.

Find out more .

 

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Asset finance

Spread the cost of restaurant fit-outs, commercial vehicles, park homes, holiday pods and more.

Find out more.

 

Working with hospitality operators? We can help.

If you’re supporting buyers in hospitality, you’ll know how quickly the right opportunities come and go. You need a bank that can keep up.

At Allica, we move at pace, with fast decisions and the support you and your client needs to get deals over the line.

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About Allica Bank

Allica Bank was built for established businesses, including hospitality operators, who need a bank that understands how they trade. We’re authorised and regulated, and focused on giving established businesses faster decisions, clear pricing and real people you can speak to.

It’s business banking how it used to be, just better.

From the blog

Supporting hospitality sector clients – things you should know
6 minute read · 13th June 2023
What is a working capital loan and how does it work?
8 minute read · 20th February 2025
Market Briefing: how accountants can negotiate a turbulent year for clients
5 minute read · 2nd May 2025
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Make the first move.

If you’re considering an acquisition, refinance or refurbishment, share a few details and one of our hospitality specialists will be in touch.

Please make sure you meet our eligibility criteria.

 

1 Rate includes standard rate of 2.83% AER (minimum balance applies) plus a 0.5% boost each month if you make 15 bank transfers out of the account in the previous month, and a 0.5% boost for six months if you complete a switch with CASS and a 0.25% Welcome Boost for 3 months for new customers who deposit £50,000+ into their Savings Pot within 14 days. Rates correct as of 19th December 2025. ‘AER’ stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year. Subject to eligibility – see Savings Pot Key Product Information for more details.

2 Cashback is variable and based on card spend. Exclusions apply. See a full list of limits and fees here.

3 All lending is subject to status, lending criteria, and a satisfactory credit assessment. Terms and Conditions Apply.

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