Hotels, motels, restaurants, cafés and short-stay operators like Airbnb all face unique financial needs. From seasonal demand to rising operating costs, having the right mix of funding in place is critical to maintaining service quality and capturing growth opportunities.
Types of Loans Commonly Used
1. Equipment Finance
Commercial kitchens, booking systems, laundry machines, point-of-sale terminals and even delivery vehicles are essential assets. Equipment finance allows businesses to purchase or upgrade these items without large upfront outlays.
2. Working Capital Loans
Cash flow can be unpredictable in hospitality. Short-term working capital loans help cover wages, supplier invoices, utilities and other day-to-day costs, particularly during seasonal lulls or periods of expansion.
3. Property & Fit-Out Loans
For businesses looking to renovate a dining area, refurbish guest rooms, or expand premises, property improvement loans provide the capital to upgrade facilities and attract more customers.
4. Vehicle & Transport Loans
From shuttle vans for guests to delivery vehicles for catering services, vehicle finance supports mobility and guest experience.
5. Expansion & Acquisition Loans
Growth often means opening new locations or acquiring existing ones. Expansion loans provide the funds to seize these opportunities quickly.
6. Consolidation Loans
Hospitality businesses often juggle multiple finance products. Consolidation loans simplify repayments and can reduce interest costs by rolling existing debts into one facility.
Why Businesses Seek Finance
- Upgrade guest experiences – modern facilities, comfortable rooms, better amenities.
- Smooth seasonal cash flow – cover slow periods while preparing for peak demand.
- Invest in technology – booking systems, digital check-in, delivery apps.
- Expand or diversify – new locations, catering services, or event spaces.
- Stay competitive – renovations and upgrades to match or exceed market standards.
How Cockatoo Can Help
At Cockatoo, we understand the challenges of running an accommodation or food services business. We help you access the right type of loan for your specific goals — whether that’s covering short-term expenses, funding long-term upgrades, or financing growth.