How to Fund a Pub: 5 Smart Ways to Make It Work
So, you’ve found the perfect pub opportunity and you’re ready to step behind the bar as your own boss. There’s just one thing standing in your way: funding. If the idea of raising money to run a pub feels overwhelming, you’re not alone. Many successful publicans started in the exact same position.
The good news? There are smart, flexible ways to make it work, even if you don’t have tens of thousands sitting in savings.
Here are 5 practical and creative ways to fund a pub and take that exciting next step.
1. Start with a Clear Breakdown of Costs
Before you start exploring funding options, it's helpful to understand the types of costs involved in taking on a pub. These can include deposits, agreement or setup fees, ongoing rent, repair contributions, and investment in fixtures and fittings.
Costs can vary depending on the type of pub and agreement, so speak to your pub company or advisor to get a realistic picture of what you’ll need to budget for. This will help you set clear goals and avoid surprises down the line.
2. Use Personal Savings Creatively
You don’t need to cover everything upfront, but having some personal savings shows financial commitment and gives you breathing room during the early months.
If you’re short on lump sums, look at your assets:
Can you sell unused equipment or a second car?
Can you reduce your current living expenses temporarily to increase your savings rate?
Consider setting a savings goal over 3-6 months to hit your target.
Even saving a portion can make a big difference when combined with other funding sources.
3. Look Into Small Business Support Options
If you’re looking for extra support, there are a range of general small business and start-up resources available across the UK. These may include local enterprise initiatives, start-up guides, and budgeting tools.
While we can’t offer professional financial advice, we always recommend speaking to a qualified accountant or business advisor to explore your options and find out what support might be available for your situation.
Tip: Preparing a basic business plan can also help you feel more confident and focused about your funding goals.
4. Make the Most of the Support Offered
When you take on a pub with us, you’re not doing it alone. We offer:
Lower start-up costs for some pubs
Training and business planning support
Ongoing advice from a Regional Manager
Marketing help to get your venue off the ground
In some cases, there may be flexibility on how certain costs, like fixtures and fittings, are paid.
Reach out early, we want you to succeed.
5. Think Creatively and Collaboratively
You don’t have to fund a pub on your own. If you’ve got the vision and the drive, you might consider:
Taking on the pub as a partnership with someone who can invest in the venture.
Saving gradually while building experience in the industry.
Creating a community buzz around your plans to build local interest and future customer support.
Running a pub is a team effort, and many successful publicans have found creative ways to bring their ideas to life.
Ready to Raise Your Glass to a New Future?
The idea of funding a pub can feel daunting, but it doesn’t have to be. With realistic planning, a bit of creativity, and the right support, you can absolutely make it happen.
Start by getting clear on your goals, speak to our team about what’s involved, and explore the funding avenues that work for you.