{"id":10170,"date":"2026-02-16T13:12:44","date_gmt":"2026-02-16T13:12:44","guid":{"rendered":"https:\/\/bcrs.org.uk\/?p=10170"},"modified":"2026-03-17T13:18:01","modified_gmt":"2026-03-17T13:18:01","slug":"how-to-get-a-business-loan-for-a-restaurant","status":"publish","type":"post","link":"https:\/\/bcrs.org.uk\/cy\/blog\/how-to-get-a-business-loan-for-a-restaurant\/","title":{"rendered":"Sut i Gael Benthyciad Busnes ar gyfer Bwyty yng Nghymru a Lloegr"},"content":{"rendered":"<section class=\"l-section wpb_row height_medium\"><div class=\"l-section-h i-cf\"><div class=\"g-cols vc_row via_flex valign_top type_default stacking_default\"><div class=\"vc_col-sm-12 wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><p><span data-contrast=\"none\">Gall sicrhau benthyciad busnes ar gyfer bwyty, bar neu dafarn yng Nghymru neu Loegr fod yn rhwystredig. Yn aml, ystyrir busnesau lletygarwch fel rhai risg uwch oherwydd patrymau masnachu tymhorol a chostau gweithredu cynyddol, yn aml heb unrhyw fai ar berchennog y busnes na&#039;r defnyddiwr.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Fodd bynnag, gyda&#039;r paratoad cywir a&#039;r benthyciwr cywir, gall cyllid ar gyfer adnewyddu, ehangu neu fwy o staff fod o fewn cyrraedd. Rydym wedi gofyn i&#039;n timau rheoli datblygu ac arweinyddiaeth rannu eu mewnwelediadau ar sut y gall benthyciadau amgen helpu i gefnogi busnesau lletygarwch ledled Cymru a Lloegr a sut y gallwch wneud cais.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<h2><strong><span data-contrast=\"none\" xml:lang=\"EN-GB\" lang=\"EN-GB\" class=\"TextRun MacChromeBold SCXW210623846 BCX0\"><span class=\"NormalTextRun SCXW210623846 BCX0\" data-ccp-parastyle=\"heading 2\">Y dirwedd lletygarwch bresennol yng Nghymru a Lloegr<\/span><\/span><span class=\"EOP SCXW210623846 BCX0\" data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;201341983&quot;:0,&quot;335559738&quot;:40,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/strong><\/h2>\n<\/div><\/div><div class=\"w-image align_center\"><div class=\"w-image-h\"><img decoding=\"async\" width=\"500\" height=\"334\" src=\"https:\/\/bcrs.org.uk\/wp-content\/uploads\/2026\/03\/dan-burton-wHsOV75Xi8Y-unsplash-1-500x334.jpg\" class=\"attachment-us_500_400 size-us_500_400\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/bcrs.org.uk\/wp-content\/uploads\/2026\/03\/dan-burton-wHsOV75Xi8Y-unsplash-1-500x334.jpg 500w, https:\/\/bcrs.org.uk\/wp-content\/uploads\/2026\/03\/dan-burton-wHsOV75Xi8Y-unsplash-1-18x12.jpg 18w, https:\/\/bcrs.org.uk\/wp-content\/uploads\/2026\/03\/dan-burton-wHsOV75Xi8Y-unsplash-1-600x400.jpg 600w, https:\/\/bcrs.org.uk\/wp-content\/uploads\/2026\/03\/dan-burton-wHsOV75Xi8Y-unsplash-1-200x133.jpg 200w, https:\/\/bcrs.org.uk\/wp-content\/uploads\/2026\/03\/dan-burton-wHsOV75Xi8Y-unsplash-1-250x167.jpg 250w, https:\/\/bcrs.org.uk\/wp-content\/uploads\/2026\/03\/dan-burton-wHsOV75Xi8Y-unsplash-1.jpg 640w\" sizes=\"auto, (max-width: 500px) 100vw, 500px\" \/><\/div><\/div><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><p><span data-contrast=\"none\"><br \/>\nYn 2025, roedd dros\u00a0<\/span><a href=\"https:\/\/lordslibrary.parliament.uk\/hospitality-and-retail-sectors-impact-of-government-policy\/\"><span data-contrast=\"none\">176,000<\/span><\/a><span data-contrast=\"none\">\u00a0busnesau lletygarwch sy&#039;n gweithredu yn y DU, yn \u00f4l data gan y Swyddfa Ystadegau Gwladol (ONS), gyda 99.6% ohonynt yn fusnesau bach neu ganolig.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Mae cyfraddau a chostau gweithredu cynyddol yn parhau i roi pwysau ar entrepreneuriaid a pherchnogion busnesau ar draws ardaloedd trefol a gwledig. Dadansoddiad o\u00a0<\/span><a href=\"https:\/\/www.ukhospitality.org.uk\/hospitality-closures-business-rates\/\"><span data-contrast=\"none\">Lletygarwch y DU\u00a0<\/span><\/a><span data-contrast=\"none\">yn awgrymu y gallai cymaint \u00e2 chwe lleoliad lletygarwch gau bob dydd yn 2026 os bydd y pwysau ariannol yn parhau.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<h2 aria-level=\"2\"><b><span data-contrast=\"none\">Pam mae angen benthyciadau busnes ar fwytai, tafarndai a bariau yng Nghymru a Lloegr?<\/span><\/b><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;201341983&quot;:0,&quot;335559738&quot;:40,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"none\">Mae busnesau lletygarwch fel arfer yn ceisio cyllid drwy fenthyciadau busnes am dair prif reswm: costau adnewyddu, ehangu safle, neu gefnogaeth llif arian tymor byr ar gyfer prosiectau. Gall hyn gefnogi:<\/span><span><br \/>\n<\/span><\/p>\n<ul>\n<li><span data-contrast=\"none\">Llogi, prydlesu neu brynu gofod masnachol<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"none\">Adnewyddu lle newydd<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"none\">Ailaddurno neu uwchraddio dodrefn<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"none\">Gosod offer a chyfarpar cegin<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"none\">Prynu trwyddedau a chaniatadau ar gyfer cerddoriaeth, hylendid ac alcohol<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"none\">Pwynt gwerthu a thechnoleg fewnol fel tiliau, apiau archebu cwsmeriaid neu systemau cegin<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"none\">Pontio bwlch ar gyfer cronfeydd yn ystod cyfnodau masnachu arafach<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"none\">Ehangu safleoedd, agor ffenestr naid neu lansio tecaw\u00ea<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"none\">Gwella presenoldeb marchnata fel bwydlenni, cyfryngau cymdeithasol ac arddangosfeydd allanol<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"none\">Cyflogi mwy o staff cegin, bar neu reolaeth<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-contrast=\"none\">Mae benthyciad busnes yn darparu&#039;r cyfalaf sydd ei angen i weithredu&#039;n gyflym a bod un cam ar y blaen i&#039;ch cystadleuaeth.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Wrth i drafodaethau polisi barhau a mynediad at fenthyca banc traddodiadol ddod yn dynnach, mae llawer o berchnogion bwytai, tafarndai a bariau yn archwilio opsiynau cyllido amgen i gefnogi adnewyddu, twf neu lif arian.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<h2><strong><span data-contrast=\"none\" xml:lang=\"EN-GB\" lang=\"EN-GB\" class=\"TextRun MacChromeBold SCXW91479285 BCX0\"><span class=\"NormalTextRun SCXW91479285 BCX0\" data-ccp-parastyle=\"heading 2\">Pa fathau o fenthyciadau busnes sydd ar gael ar gyfer bwytai?<\/span><\/span><span class=\"EOP SCXW91479285 BCX0\" data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;201341983&quot;:0,&quot;335559738&quot;:40,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/strong><\/h2>\n<\/div><\/div><div class=\"w-image align_center\"><a href=\"https:\/\/bcrs.org.uk\/cy\/blog\/woman-led-turkish-restaurant-expands-with-second-cardiff-site\/\" aria-label=\"Bwyty Longa \u2013 m\u00e2n-lun gwefan (66)\" class=\"w-image-h\"><img decoding=\"async\" width=\"500\" height=\"333\" src=\"https:\/\/bcrs.org.uk\/wp-content\/uploads\/2025\/03\/Website-thumbnail-66-500x333.jpg\" class=\"attachment-us_500_400 size-us_500_400\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/bcrs.org.uk\/wp-content\/uploads\/2025\/03\/Website-thumbnail-66-500x333.jpg 500w, https:\/\/bcrs.org.uk\/wp-content\/uploads\/2025\/03\/Website-thumbnail-66-18x12.jpg 18w, https:\/\/bcrs.org.uk\/wp-content\/uploads\/2025\/03\/Website-thumbnail-66-750x500.jpg 750w, https:\/\/bcrs.org.uk\/wp-content\/uploads\/2025\/03\/Website-thumbnail-66-600x400.jpg 600w, https:\/\/bcrs.org.uk\/wp-content\/uploads\/2025\/03\/Website-thumbnail-66-200x133.jpg 200w, https:\/\/bcrs.org.uk\/wp-content\/uploads\/2025\/03\/Website-thumbnail-66-250x167.jpg 250w, https:\/\/bcrs.org.uk\/wp-content\/uploads\/2025\/03\/Website-thumbnail-66-1000x667.jpg 1000w, https:\/\/bcrs.org.uk\/wp-content\/uploads\/2025\/03\/Website-thumbnail-66.jpg 1350w\" sizes=\"auto, (max-width: 500px) 100vw, 500px\" \/><\/a><\/div><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><p><span data-contrast=\"none\"><br \/>\nGall busnesau lletygarwch, fel bwytai, caffis, tafarndai, gwestai a bariau, fod yn gymwys ar gyfer amrywiaeth o fenthyciadau busnes, fel:<\/span><span><br \/>\n<\/span><\/p>\n<ul>\n<li><b><span data-contrast=\"none\">Benthyciadau banc traddodiadol<\/span><\/b><span data-contrast=\"none\">Weithiau cyfeirir ato fel benthyca stryd fawr, gan ei fod yn cael ei gynnig gan y rhan fwyaf o fanciau stryd fawr. Mae angen hanes credyd cryf ac weithiau diogelwch.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<li><b><span data-contrast=\"none\">Cynlluniau benthyciadau a gefnogir gan y llywodraeth<\/span><\/b><span data-contrast=\"none\">Wedi&#039;i gyflwyno drwy fenthycwyr achrededig, fel rheolwyr ariannu, gyda chefnogaeth Banc Busnes Prydain. Mae&#039;r rhaglenni hyn yn helpu busnesau llai a allai gael trafferth cael mynediad at ffynonellau ariannu traddodiadol.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<li><b><span data-contrast=\"none\">Cyllid asedau<\/span><\/b><span data-contrast=\"none\">Defnyddir fel arfer ar gyfer offer cegin, offer coffi, dodrefn neu gerbydau. Yn aml, yr ased ei hun sy&#039;n sicrhau&#039;r benthyciad.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<li><b><span data-contrast=\"none\">Credyd masnach<\/span><\/b><span data-contrast=\"none\">Cytundeb gyda chyflenwr i drefnu amserlenni talu, fel arfer mewn 30, 60 a 90 diwrnod. Yn aml yn cael ei ddefnyddio i brynu stoc a chael mynediad at gyflenwadau ymlaen llaw, gan dalu&#039;n ddiweddarach.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<li><b><span data-contrast=\"none\">Cyllid ecwiti<\/span><\/b><span data-contrast=\"none\">Os ydych chi&#039;n chwilio am ateb sy&#039;n osgoi cymryd unrhyw ddyled newydd, gall cyfalafwyr menter, buddsoddwyr angel a chyllido torfol fod yn ffordd arall o geisio buddsoddiad. Yn wahanol i fenthyciadau, mae cyllid ecwiti yn golygu ildio cyfran o berchnogaeth ac elw yn y dyfodol.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-contrast=\"none\">Bydd y benthyciadau sydd ar gael i chi hefyd yn dibynnu ar yr ardal y mae eich busnes wedi&#039;i leoli ynddi. Er enghraifft, os ydych chi&#039;n gwneud cais am fenthyciad a gefnogir gan y llywodraeth, efallai y bydd busnesau Cymru yn gymwys ar gyfer Cronfa Fuddsoddi Cymru (IFW), ac efallai y bydd busnesau yng Ngorllewin Canolbarth Lloegr yn gallu cael mynediad at y\u00a0<\/span><a href=\"https:\/\/bcrs.org.uk\/cy\/blog\/how-does-meif-help-smes\/\"><span data-contrast=\"none\">Cronfa Buddsoddi Injans Canolbarth Lloegr II\u00a0<\/span><\/a><span data-contrast=\"none\">(MEIF II) ochr yn ochr \u00e2&#039;r\u00a0<\/span><a href=\"https:\/\/bcrs.org.uk\/cy\/blog\/bcrs-business-loans-passes-10m-milestone-for-cief-investment-in-jobs-and-growth-wales-focussed\/\"><span data-contrast=\"none\">Cronfa Menter Buddsoddi Cymunedol\u00a0<\/span><\/a><span data-contrast=\"none\">(CIEF) yn y ddau ardal.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<\/div><\/div><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><h2 aria-level=\"2\"><strong>Beth mae benthycwyr yn chwilio amdano wrth wneud cais am fenthyciad busnes lletygarwch yng Nghymru a Lloegr?\u00a0<\/strong><\/h2>\n<p><span data-contrast=\"none\">Bydd benthycwyr fel arfer yn gofyn i fusnesau lletygarwch am:<\/span><span><br \/>\n<\/span><\/p>\n<ul>\n<li><span data-contrast=\"none\">Manylion eich busnes a&#039;ch cenhadaeth<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"none\">Eich cynllun busnes a marchnad diweddaraf<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"none\">Sut mae eich llif arian parod yn perfformio a datganiadau ariannol<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"none\">Os oes gennych unrhyw gyllid neu fenthyciadau presennol<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"none\">Eich hanes credyd ac os oes gennych unrhyw CCJs, diffygion neu \u00f4l-ddyledion<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"none\">Os oes gennych unrhyw sicrwydd<\/span><\/li>\n<\/ul>\n<p><span data-contrast=\"none\">Rydyn ni wedi llunio un syml\u00a0<\/span><a href=\"https:\/\/bcrs.org.uk\/cy\/blog\/how-to-apply-for-a-loan-as-a-small-business-in-england-and-wales\/\"><span data-contrast=\"none\">Canllaw 3 cham ar sut i wneud cais am fenthyciad busnes bach<\/span><\/a><span data-contrast=\"none\">\u00a0yng Nghymru a Lloegr, sy&#039;n esbonio sut i alinio eich nodau busnes, pa wybodaeth sydd ei hangen arnoch, a sut i ddod o hyd i&#039;r benthyciwr mwyaf addas.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<h3 aria-level=\"3\"><b><span data-contrast=\"none\">Allwch chi gael benthyciad busnes i agor bar, bwyty neu dafarn o&#039;r dechrau?<\/span><\/b><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;201341983&quot;:0,&quot;335559738&quot;:40,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"none\">Ydy, bydd rhai benthycwyr yn cynnig benthyciadau busnes i fwytai newydd yng Nghymru a Lloegr, ond gall y meini prawf cymeradwyo fod yn fwy llym. Fel arfer, mae angen i fenthycwyr weld cynllun busnes manwl gyda rhagolwg llif arian, yn ogystal ag unrhyw brofiad yn y diwydiant.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Os oes gennych fusnes nad yw&#039;n masnachu eto ond sy&#039;n barod i gychwyn (a elwir hefyd yn fusnes dichonadwy), efallai y bydd gennych lai o opsiynau benthyciad i ddewis ohonynt yn dibynnu ar gymhwysedd y benthyciwr. Mae hyn oherwydd bod busnesau newydd yn cael eu hystyried yn risg uwch ac nad oes ganddynt allu ad-dalu profedig.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Gweledigaeth Benthyciadau Busnes BCRS yw cefnogi unrhyw fusnes hyfyw ar draws y ddau ranbarth hyn. Felly, os yw eich busnes bwyty yn hyfyw, os oes ganddo fantais gystadleuol ac os yw&#039;n cynnal ei hun, rydych chi&#039;n fwy tebygol o fodloni meini prawf y benthyciwr.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<h3 aria-level=\"3\"><b><span data-contrast=\"none\">Pam mae ceisiadau am fenthyciadau i fwytai yn cael eu gwrthod?<\/span><\/b><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;201341983&quot;:0,&quot;335559738&quot;:40,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"none\">Gall ceisiadau am fenthyciadau busnes ar gyfer bwytai neu fusnesau lletygarwch eraill gael eu gwrthod oherwydd:<\/span><span><br \/>\n<\/span><\/p>\n<ul>\n<li><span data-contrast=\"none\">Meini prawf cymhwysedd penodol benthycwyr heb eu bodloni<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"none\">Dim hanes masnachu neu hanes masnachu lleiaf posibl<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"none\">Dyled ormodol sy&#039;n effeithio ar ofynion ad-dalu<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"none\">Dogfennau ariannol ar goll neu&#039;n anghyflawn<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"none\">Cynllun busnes afrealistig neu anhyfyw<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-contrast=\"none\">Os bydd benthyciwr traddodiadol, fel banc stryd fawr, yn gwrthod eich cais am fenthyciad, efallai y bydd benthyciwr arall yn gallu helpu. Mae&#039;r rhain yn aml yn...\u00a0<\/span><a href=\"https:\/\/bcrs.org.uk\/cy\/blog\/what-is-a-cdfi-uk\/\"><span data-contrast=\"none\">Sefydliadau Ariannol Datblygu Cymunedol<\/span><\/a><span data-contrast=\"none\">\u00a0(CDFIs) a mabwysiadu dull llai ystadegol, mwy dynol o ran sut y gallwch gael eich cefnogi yn eich proses fenthyca.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<h2 aria-level=\"2\"><b><span data-contrast=\"none\">Faint allwch chi ei fenthyg ar gyfer benthyciad busnes mewn lletygarwch?<\/span><\/b><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;201341983&quot;:0,&quot;335559738&quot;:40,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"none\">Nid oes unrhyw ffigurau penodol ar gyfer faint y gallech ei fenthyg ar gyfer eich bwyty, tafarn neu westy. Mae&#039;r swm y gallwch ei fenthyg yn dibynnu ar eich trosiant, fforddiadwyedd i ad-dalu a&#039;ch hanes masnachu. Bydd eich sg\u00f4r credyd hefyd yn cael ei ystyried, ond mae&#039;n bosibl sicrhau benthyciad a chael credyd gwael.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Yn Benthyciadau Busnes BCRS, mae cyllid fel arfer yn amrywio rhwng \u00a310,000 a \u00a3250,000 ar gyfer busnesau lletygarwch ledled Cymru a Lloegr. Dyma dri busnes lletygarwch gwahanol a wnaeth gais llwyddiannus am fenthyciad:<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<table data-tablestyle=\"MsoNormalTable\" data-tablelook=\"1184\" aria-rowcount=\"4\">\n<tbody>\n<tr aria-rowindex=\"1\">\n<td data-celllook=\"69905\">\n<p style=\"text-align: center;\"><b><span data-contrast=\"none\">Enw Busnes<\/span><\/b><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:2,&quot;335551620&quot;:2,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<\/td>\n<td style=\"text-align: center;\" data-celllook=\"69905\"><b><span data-contrast=\"none\">Gwasanaeth<\/span><\/b><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:2,&quot;335551620&quot;:2,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/td>\n<td style=\"text-align: center;\" data-celllook=\"69905\"><b><span data-contrast=\"none\">Diben y Benthyciad<\/span><\/b><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:2,&quot;335551620&quot;:2,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/td>\n<td style=\"text-align: center;\" data-celllook=\"69905\"><b><span data-contrast=\"none\">Swm y Benthyciad<\/span><\/b><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:2,&quot;335551620&quot;:2,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/td>\n<\/tr>\n<tr aria-rowindex=\"2\">\n<td data-celllook=\"4369\">\n<p style=\"text-align: center;\"><a href=\"https:\/\/bcrs.org.uk\/cy\/blog\/woman-led-turkish-restaurant-expands-with-second-cardiff-site\/\"><span data-contrast=\"none\">Longa<\/span><\/a><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<\/td>\n<td data-celllook=\"4369\">\n<p style=\"text-align: center;\"><span data-contrast=\"none\">Brand bwyty Twrcaidd wedi&#039;i leoli yng Nghaerdydd<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<\/td>\n<td data-celllook=\"4369\">\n<p style=\"text-align: center;\"><span data-contrast=\"none\">Ehangu&#039;r safle i ail gyfleuster<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<\/td>\n<td data-celllook=\"4369\">\n<p style=\"text-align: center;\"><span data-contrast=\"none\">\u00a3120,000<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<\/td>\n<\/tr>\n<tr aria-rowindex=\"3\">\n<td data-celllook=\"4369\">\n<p style=\"text-align: center;\"><a href=\"https:\/\/bcrs.org.uk\/cy\/blog\/new-bar-restaurant-opens-in-historic-park-after-securing-funds-through-bcrs-business-loans\/\"><span data-contrast=\"none\">1000 o Fasnachu ar y Parc<\/span><\/a><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<\/td>\n<td data-celllook=\"4369\">\n<p style=\"text-align: center;\"><span data-contrast=\"none\">Ystafell de, bar a chegin gymdogaeth annibynnol yn Birmingham<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<\/td>\n<td style=\"text-align: center;\" data-celllook=\"4369\"><span data-contrast=\"none\">Addurno tu mewn a chegin i droi caffi yn far-fwyty.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/td>\n<td data-celllook=\"4369\">\n<p style=\"text-align: center;\"><span data-contrast=\"none\">\u00a3140,000*<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p style=\"text-align: center;\"><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p style=\"text-align: center;\"><span data-contrast=\"none\">*Cyllid ar y cyd gan BCRS ac ART Business Benthyciadau<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<\/td>\n<\/tr>\n<tr aria-rowindex=\"4\">\n<td style=\"text-align: center;\" data-celllook=\"4369\"><a href=\"https:\/\/bcrs.org.uk\/cy\/blog\/thriving-north-wales-brewery-looks-to-expand-thanks-to-150k-funding\/\"><span data-contrast=\"none\">Bragu Ceffyl Gwyllt<\/span><\/a><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/td>\n<td style=\"text-align: center;\" data-celllook=\"4369\"><span data-contrast=\"none\">Bragdy crefftau a thapdy yn Llandudno<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/td>\n<td style=\"text-align: center;\" data-celllook=\"4369\"><span data-contrast=\"none\">Adnewyddu&#039;r ystafell dap a&#039;r bragdy, gan gynnwys atebion ynni adnewyddadwy<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/td>\n<td data-celllook=\"4369\">\n<p style=\"text-align: center;\"><span data-contrast=\"none\">\u00a3150,000<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span data-contrast=\"none\">Wrth wneud cais am fenthyciad gyda BCRS, nid dim ond swm o arian rydych chi&#039;n ei dderbyn; rydych chi&#039;n gweithio gyda rheolwr datblygu busnes ymroddedig sy&#039;n edrych ar hyfywedd eich busnes yn ogystal \u00e2&#039;ch sefyllfa ariannol. Rydym yn deall nad menter fusnes i chi yn unig yw hon, ac rydym yma i&#039;ch cefnogi lle mae&#039;n bwysicaf.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p aria-level=\"2\"><b><span data-contrast=\"none\">Gwnewch gais am fenthyciad busnes lletygarwch heddiw<\/span><\/b><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;201341983&quot;:0,&quot;335559738&quot;:40,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Os ydych chi&#039;n chwilio&#039;n weithredol am hyd at \u00a3250,000* i dyfu eich busnes lletygarwch neu os ydych chi&#039;n ansicr ynghylch eich anghenion ariannu,\u00a0<\/span><a href=\"https:\/\/bcrs.org.uk\/cy\/contact-us\/\"><span data-contrast=\"none\">siaradwch \u00e2&#039;n t\u00eem heddiw<\/span><\/a><span data-contrast=\"none\">\u00a0i drafod yr opsiynau sydd ar gael i chi.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Gyda drosodd\u00a0<\/span><a href=\"https:\/\/bcrs.org.uk\/cy\/our-history\/\"><span data-contrast=\"none\">23 mlynedd<\/span><\/a><span data-contrast=\"none\">\u00a0o brofiad o gefnogi busnesau bach a chanolig, rydych chi mewn dwylo diogel.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335557856&quot;:16777215,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><em>*Mae credyd yn amodol ar statws. Mae gwiriadau credyd, asesiadau fforddiadwyedd, a thelerau ac amodau yn berthnasol.\u00a0<\/em><\/p>\n<\/div><\/div><form class=\"w-form  layout_ver for_cform us_form_1\" autocomplete=\"off\" action=\"https:\/\/bcrs.org.uk\/cy\/cy\/wp-json\/wp\/v2\/posts\/10170\" method=\"post\" data-trp-original-action=\"https:\/\/bcrs.org.uk\/cy\/cy\/wp-json\/wp\/v2\/posts\/10170\"><div class=\"w-form-h\"><div class=\"w-form-row for_text required\">\r\n\t\t<div class=\"w-form-row-field\">\r\n\t\t\t\t\t\t<input aria-label=\"Eich Enw\" type=\"text\" name=\"us_form_1_text_1\" value placeholder=\"Eich Enw *\" data-required=\"true\" aria-required=\"true\"\/>\r\n\t\t\t<\/div>\r\n\t\t<div class=\"w-form-row-state\">Llenwch y maes hwn<\/div>\r\n<\/div>\r\n<div class=\"w-form-row for_email required\">\r\n\t\t<div class=\"w-form-row-field\">\r\n\t\t\t\t\t\t<input aria-label=\"Eich E-bost\" type=\"email\" name=\"us_form_1_email_1\" value placeholder=\"Eich E-bost *\" data-required=\"true\" aria-required=\"true\"\/>\r\n\t\t\t<\/div>\r\n\t\t<div class=\"w-form-row-state\">Rhowch e-bost dilys.<\/div>\r\n<\/div>\r\n<div class=\"w-form-row for_textarea required\">\r\n\t\t<div class=\"w-form-row-field\">\r\n\t\t\t\t\t\t<textarea aria-label=\"Rhowch eich ymholiad cyffredinol yma. \" name=\"us_form_1_textarea_1\" placeholder=\"Rhowch eich ymholiad cyffredinol yma. *\" data-required=\"true\" aria-required=\"true\"><\/textarea>\r\n\t\t\t<\/div>\r\n\t\t<div class=\"w-form-row-state\">Llenwch y maes hwn<\/div>\r\n<\/div>\r\n<input type=\"hidden\" name=\"action\" value=\"us_ajax_cform\" \/>\r\n<input type=\"hidden\" name=\"post_id\" value=\"0\" \/>\r\n<input type=\"hidden\" name=\"form_index\" value=\"1\" \/>\r\n<div class=\"w-form-row for_submit align_none\">\r\n\t<button class=\"w-btn  us-btn-style_1\" aria-label=\"Cyflwyno\" type=\"submit\">\r\n\t\t<span class=\"g-preloader type_1\"><\/span>\r\n\t\t\t\t<span class=\"w-btn-label\">Cyflwyno<\/span>\r\n\t\t\t<\/button>\r\n\t<\/div>\r\n<\/div><div class=\"w-form-message\"><\/div><div class=\"w-form-json hidden\" onclick='return {&quot;ajaxurl&quot;:&quot;https:\\\/\\\/bcrs.org.uk\\\/wp-admin\\\/admin-ajax.php&quot;,&quot;messages&quot;:{&quot;err_empty&quot;:&quot;Fill out this field&quot;,&quot;err_size&quot;:&quot;File size cannot exceed %s MB&quot;,&quot;err_extension&quot;:&quot;%s file type is not allowed&quot;}}'><\/div><input type=\"hidden\" name=\"trp-form-language\" value=\"cy\"\/><\/form><div class=\"w-separator size_medium\"><\/div><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><h3>Cwestiynau Cyffredin<\/h3>\n<\/div><\/div><div class=\"w-separator size_small\"><\/div><div  class=\"vc_do_toggle vc_toggle vc_toggle_default vc_toggle_color_default  vc_toggle_size_md vc_custom_1773749274854\"><div class=\"vc_toggle_title\"><h4 style=\"color: #d6224f;text-align: left;font-family:Montserrat;font-weight:400;font-style:normal\" class=\"vc_custom_heading vc_do_custom_heading us_custom_cda6f729\" >A allaf gael benthyciad busnes bwyty gyda chredyd gwael? <\/h4><i class=\"vc_toggle_icon\"><\/i><\/div><div class=\"vc_toggle_content\"><p><span data-contrast=\"none\" xml:lang=\"EN-GB\" lang=\"EN-GB\" class=\"TextRun SCXW213927048 BCX0\"><span class=\"NormalTextRun SCXW213927048 BCX0\">Oes, efallai y byddwch yn gymwys i gael benthyciad busnes ar gyfer eich bwyty hyd yn oed os oes gennych<span>\u00a0<\/span><\/span><span class=\"NormalTextRun SCXW213927048 BCX0\">credyd gwael<\/span><span class=\"NormalTextRun SCXW213927048 BCX0\">. Ysgrifennon ni<span>\u00a0<\/span><\/span><\/span><a class=\"Hyperlink SCXW213927048 BCX0\" href=\"https:\/\/bcrs.org.uk\/cy\/blog\/are-you-eligible-for-a-business-loan-with-bad-credit\/\" target=\"_blank\" rel=\"noreferrer noopener\"><span data-contrast=\"none\" xml:lang=\"EN-GB\" lang=\"EN-GB\" class=\"TextRun Underlined SCXW213927048 BCX0\"><span class=\"NormalTextRun SCXW213927048 BCX0\">canllaw manwl<\/span><\/span><\/a><span data-contrast=\"none\" xml:lang=\"EN-GB\" lang=\"EN-GB\" class=\"TextRun SCXW213927048 BCX0\"><span class=\"NormalTextRun SCXW213927048 BCX0\"><span>\u00a0<\/span>ar sut mae hyn yn bosibl.<\/span><\/span><span class=\"EOP SCXW213927048 BCX0\" data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<\/div><\/div><div  class=\"vc_do_toggle vc_toggle vc_toggle_default vc_toggle_color_default  vc_toggle_size_md\"><div class=\"vc_toggle_title\"><h4 style=\"color: #d6224f;text-align: left;font-family:Montserrat;font-weight:400;font-style:normal\" class=\"vc_custom_heading vc_do_custom_heading us_custom_cda6f729\" >Pa mor hir yw&#039;r cymeradwyaeth benthyciad ar gyfer benthyciad bwyty? <\/h4><i class=\"vc_toggle_icon\"><\/i><\/div><div class=\"vc_toggle_content\"><p><span data-contrast=\"none\" xml:lang=\"EN-GB\" lang=\"EN-GB\" class=\"TextRun SCXW215611144 BCX0\"><span class=\"NormalTextRun SCXW215611144 BCX0\">Y gymeradwyaeth<span>\u00a0<\/span><\/span><\/span><a class=\"Hyperlink SCXW215611144 BCX0\" href=\"https:\/\/bcrs.org.uk\/cy\/loan-process\/\" target=\"_blank\" rel=\"noreferrer noopener\"><span data-contrast=\"none\" xml:lang=\"EN-GB\" lang=\"EN-GB\" class=\"TextRun Underlined SCXW215611144 BCX0\"><span class=\"NormalTextRun SCXW215611144 BCX0\">proses<\/span><\/span><\/a><span data-contrast=\"none\" xml:lang=\"EN-GB\" lang=\"EN-GB\" class=\"TextRun SCXW215611144 BCX0\"><span class=\"NormalTextRun SCXW215611144 BCX0\"><span>\u00a0<\/span>Nid yw benthyciad bwyty yn wahanol o&#039;i gymharu \u00e2 benthyciad ar gyfer unrhyw fath arall o fusnes. Gyda BCRS, mae&#039;n cymryd dwy funud i<span>\u00a0<\/span><\/span><span class=\"NormalTextRun SCXW215611144 BCX0\">cyflwyno<\/span><span class=\"NormalTextRun SCXW215611144 BCX0\"><span>\u00a0<\/span>eich<span>\u00a0<\/span><\/span><span class=\"NormalTextRun SCXW215611144 BCX0\">cychwynnol<\/span><span class=\"NormalTextRun SCXW215611144 BCX0\"><span>\u00a0<\/span>cais; bydd rheolwr datblygu busnes pwrpasol yn cysylltu \u00e2 chi ddau ddiwrnod busnes ar \u00f4l hyn, ac os<span>\u00a0<\/span><\/span><span class=\"NormalTextRun SCXW215611144 BCX0\">rydych chi<\/span><span class=\"NormalTextRun SCXW215611144 BCX0\"><span>\u00a0<\/span>yn llwyddiannus, efallai y byddwch yn gallu cael mynediad at eich benthyciad 2-3 wythnos yn ddiweddarach.<\/span><\/span><span class=\"EOP SCXW215611144 BCX0\" data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<\/div><\/div><div  class=\"vc_do_toggle vc_toggle vc_toggle_default vc_toggle_color_default  vc_toggle_size_md\"><div class=\"vc_toggle_title\"><h4 style=\"color: #d6224f;text-align: left;font-family:Montserrat;font-weight:400;font-style:normal\" class=\"vc_custom_heading vc_do_custom_heading us_custom_cda6f729\" >Beth yw&#039;r benthyciad busnes gorau ar gyfer bwyty?<\/h4><i class=\"vc_toggle_icon\"><\/i><\/div><div class=\"vc_toggle_content\"><p><span data-contrast=\"none\" xml:lang=\"EN-GB\" lang=\"EN-GB\" class=\"TextRun SCXW108399411 BCX0\"><span class=\"NormalTextRun SCXW108399411 BCX0\">Y benthyciad busnes cywir ar gyfer eich bwyty, tafarn, gwesty, coffi<span>\u00a0<\/span><\/span><span class=\"NormalTextRun SCXW108399411 BCX0\">siop<\/span><span class=\"NormalTextRun SCXW108399411 BCX0\"><span>\u00a0<\/span>neu bydd y gwaharddiad yn dibynnu ar eich nodau busnes a&#039;ch cymhwysedd gyda benthycwyr. Mae benthycwyr dielw, fel Benthyciadau Busnes BCRS, yn canolbwyntio ar eich stori.<\/span><span class=\"NormalTextRun SCXW108399411 BCX0\">,<span>\u00a0<\/span><\/span><span class=\"NormalTextRun SCXW108399411 BCX0\">nid yn unig<\/span><span class=\"NormalTextRun SCXW108399411 BCX0\"><span>\u00a0<\/span>eich cyllid a&#039;ch sg\u00f4r credyd.<\/span><\/span><span class=\"EOP SCXW108399411 BCX0\" data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<\/div><\/div><div  class=\"vc_do_toggle vc_toggle vc_toggle_default vc_toggle_color_default  vc_toggle_size_md\"><div class=\"vc_toggle_title\"><h4 style=\"color: #d6224f;text-align: left;font-family:Montserrat;font-weight:400;font-style:normal\" class=\"vc_custom_heading vc_do_custom_heading us_custom_cda6f729\" >Allwch chi gael benthyciad bwyty gyda Benthyciadau Busnes BCRS? <\/h4><i class=\"vc_toggle_icon\"><\/i><\/div><div class=\"vc_toggle_content\"><p><span data-contrast=\"none\" xml:lang=\"EN-GB\" lang=\"EN-GB\" class=\"TextRun SCXW56059828 BCX0\"><span class=\"NormalTextRun SCXW56059828 BCX0\">Ydw, os ydych chi&#039;n bodloni&#039;r meini prawf benthyciad. Gall BCRS ddarparu hyd at \u00a3250,000 ac mae wedi cefnogi amrywiaeth o fusnesau lletygarwch ledled Gorllewin Canolbarth Lloegr a Chymru.<\/span><\/span><span class=\"EOP SCXW56059828 BCX0\" data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/section>","protected":false},"excerpt":{"rendered":"Securing a business loan for a restaurant, bar or pub in England or Wales can be frustrating. Hospitality businesses are often viewed as higher risk due to seasonal trading patterns and rising operating costs, often at no fault of the business owner or consumer.\u202f\u00a0 However, with the right preparation and the right lender, funding for...","protected":false},"author":22,"featured_media":10171,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[20],"tags":[679,677,77,678],"class_list":["post-10170","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","tag-bar","tag-business-loan-for-a-restaurant","tag-pub","tag-restaurant"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>How to Get a Business Loan for a Restaurant in 2026<\/title>\n<meta name=\"description\" content=\"Learn about loans for hospitality businesses and how an alternative lender like BCRS can help you achieve your growth goals and get ahead of your competition.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/bcrs.org.uk\/cy\/blog\/how-to-get-a-business-loan-for-a-restaurant\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How to Get a Business Loan for a Restaurant in 2026\" \/>\n<meta property=\"og:description\" content=\"Learn about loans for hospitality businesses and how an alternative lender like BCRS can help you achieve your growth goals and get ahead of your competition.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bcrs.org.uk\/cy\/blog\/how-to-get-a-business-loan-for-a-restaurant\/\" \/>\n<meta property=\"og:site_name\" content=\"BCRS Business Loans\" \/>\n<meta property=\"article:published_time\" content=\"2026-02-16T13:12:44+00:00\" 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