Five Ways to Raise Money to Run a Pub (Without Winning the Lottery!)

Running your own pub is more than just pulling pints, it’s about being your own boss, bringing people together, and becoming a local legend 🍻. But let’s be honest… launching that dream takes funding. If the only thing standing between you and your perfect pub is the pot of gold, don’t worry, we’ve got you.

Here are five realistic, actionable ways to raise money to run a pub, no scratch card luck required.

1. Use Your Savings (But Don’t Drain the Lot)

If you’ve been stashing away for a rainy day, this could be your moment. Many pub agreements, especially leased or tenanted models, don’t require you to buy the building. That means you’ll typically need a lower upfront investment compared to freehold options.

💡 Top Tip: Always leave yourself a buffer. Running a business comes with ups and downs, and you’ll want a cushion for those surprise costs (like fixing the cellar cooler in a heatwave!).

2. Apply for a Small Business Loan

Banks and lenders often have specific loan products tailored to new business ventures. You’ll need a strong business plan, clear cash flow forecasts, and a good credit score, but it’s a popular route for many first-time pub operators.

💡 Top Tip: Look into government-backed loan schemes. Some offer competitive rates or extra support for first-time business owners.

3. Ask Friends or Family to Invest

It might feel awkward, but people who believe in you might want to back you. A small investment from a few loved ones could help you hit your goal, especially if you're transparent, professional, and show them the passion behind your plan.

💡 Top Tip: Treat it like a business deal. Create a repayment agreement or offer a share of profits. It keeps things fair and protects relationships.

5. Partner with Stonegate – Start with as Little as £2,000

Here’s where things get exciting. With Stonegate, you don’t need a huge lump sum to start your pub journey. Through our Craft Union model, you can get started with an ongoing deposit of just £2000, perfect if you’re eager to dip your toe in and get a real feel for running a pub without the full financial commitment upfront.

We also have a range of opportunities with our Pub Partners models, where some pubs come with bespoke financial deals, from low ingoing costs to support packages that help you hit the ground running.

💡 Top Tip: Not sure which route is right for you? Our recruitment team will talk you through the options, understand your goals, and help match you with the right pub and the right model for your experience.

Final Thoughts…

Don’t let funding be the reason you give up on your pub dream. There are more routes than you might think, and if you’ve got the heart, hustle, and hunger, the right opportunity will come. Just start where you are, get informed, and take that first step.

Want to know what it really costs to run a pub with us? Let's talk. No pressure, just practical advice from people who get it.