£38,000
Completed transaction · Café
£125,000 across three facilities. New staff, more stock, steady cash flow.
A café that needed to take on staff and buy stock ahead of the takings they would bring in.
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- Amount
- £125,000
- Sector
- Café
- Structure
- Revenue-based finance
- Outcome
- Repeat funding relationship
In short
The business needed funding for new staffing costs, stock purchases and general working capital. Across three facilities, we arranged £125,000 in total. Three facilities completed, totalling £125,000. The business could take on staff and stock without stretching its cash.
Two hospitality businesses with the same turnover can look very different to a lender. Seasonality, card receipts and margins all change the picture.
For this café, the job was finding a lender whose appetite matched the real trading, not a sector assumption.
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The requirement
The business needed funding for new staffing costs, stock purchases and general working capital.
Across three facilities, we arranged £125,000 in total.
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The challenge
New staff and extra stock are paid for before they generate takings. In hospitality, that gap lands on day-to-day cash flow.
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The structure
We matched the funding to the café's trading pattern with revenue-based facilities, repaid from takings rather than fixed monthly repayments.
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The result
Three facilities completed, totalling £125,000.
The business could take on staff and stock without stretching its cash.
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FAQs
Questions about this case
Can a hospitality business get funding with seasonal or card-based trading?
Often, yes. Many lenders fund pubs, restaurants, cafés and hotels. Some size a facility on card takings, with repayments that rise and fall with sales; others offer fixed-term business loans. Which suits depends on how the business trades. See hospitality business loans.
Can I come back for more funding later?
Yes. Many of our clients return as their business changes, for a top-up, a renewal or a different kind of facility. Each new request is assessed on its own merits and is subject to status.
Is this a real transaction?
Yes. Every case study on this site is a transaction we arranged and saw through to completion. Client details are anonymised, and we only publish what we can verify: we never invent figures, rates or outcomes.
Do you lend the money yourselves?
No. Smart Funding Solutions is a credit broker, not a lender. We search a panel of 300+ lenders, present your case to the ones whose criteria fit, and manage the application through to completion. The lender makes the final decision and all finance is subject to status.
What does it cost to talk to you?
It is free to enquire and there is no obligation. Any broker fee is disclosed separately before you proceed, and there is no obligation to accept an offer.
Your business
Could this structure work for your business?
Every case is assessed on its own merits. These pages explain the finance used here and what lenders look at.
Client details are anonymised. Every case is different and past results don't guarantee future outcomes: lenders set their own criteria and all finance is subject to status.
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Have a similar requirement?
Every case is different, but the approach is the same: understand the business, structure the requirement, and take it to the lenders suited to it.