Leisure and hotels

We understand the drivers in the leisure and hotel sectors and the economic cycles that affect the market.

In the hotel sector, for example, long-term funding for property investments, such as commercial mortgages, are growing in demand, as well as short-term transaction services. However, leisure sector businesses typically require cashflow based lending, delivered by our specialist teams.

Throughout the economic cycle, our specialist teams will provide you with sound guidance and the right solutions to help you achieve your goals.


Businesses in the leisure sector are susceptible to consumer discretionary spending. We can help you manage these fluctuations with our banking and finance solutions, as well as our through-the-cycle support. Our clients have businesses across the leisure sector, including:

  • restaurants
  • pubs and bars
  • tour operators
  • travel agents
  • visitor attractions
  • holiday parks
  • golf courses
  • gaming and betting
  • theatres.

Our specialist team in the leisure sector succeeds by building successful long-term relationships. Their priority is to fully understand your business strategy and goals, and provide commercial banking advice and solutions to match your ambitions. We focus on developing finance solutions and providing support to help you achieve your aims.


The hotel sector is always impacted by consumer discretionary spending, with wide variations across the UK. Our specialist hotel teams understand these nuances and work with you to make the most of challenges and opportunities in order to support your day-to-day and strategic needs. We can deliver blended funding packages to support acquisition and re-development needs, as well as a suite of risk management, cash management, payment and receivables solutions to provide full customer support and help your business optimise its liquidity.

Our specialist teams work with a range of different hotels, including:

  • budget
  • high-end
  • mid-range
  • branded and unbranded
  • boutique.

Our teams work as part of a broad professional network to ensure they always know of macro and micro developments that impact the sector, and how they will affect our clients. We look at a range of factors to ensure we understand your business, including:

  • whether you are an owner or manager-run business
  • KPIs
  • occupancy rates
  • average room rate
  • single asset
  • key drivers – eg tourist trade, conferences or exhibitions.


We bring professionals together at our networking events to share and debate best practice, hosted by our industry specialists. They also speak at industry events as well as writing articles and commentary for the media.

Our people

Gordon Rate
Gordon Rate Head of Scotland – SME & Corporate Financial Markets

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Nick Laird
Nick Laird Regional Managing Director, Commercial Banking, Bank of Scotland

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Jane Clark-Hutchinson
Jane Clark-Hutchinson Regional Director, Mid Markets, Commercial Banking

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Tony Oakley
Tony Oakley Head of Social Housing, Mid Markets, Commercial Banking, Bank of Scotland

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Stuart White
Stuart White Regional Director, North of Scotland, Commercial Banking, Bank of Scotland

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Colin Walls
Colin Walls Head of Trading and Working Capital, Commercial Banking, Bank of Scotland

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Fraser Sime
Fraser Sime Director, SME Banking, Bank of Scotland

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Gillian Henderson
Gillian Henderson Commercial Director, Commercial Banking, Bank of Scotland

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Pete Flockhart
Pete Flockhart Regional Relationship Director, Commercial Banking

Read more about Pete Flockhart.

Specialist teams

Economics and insight

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Contact us

For more information, contact your local relationship director or use our online directory.