The café wanted additional funding. We arranged a £55,000 term loan over 48 months. The £55,000 loan completed over a 48-month term.
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.
01
The requirement
The café wanted additional funding.
We arranged a £55,000 term loan over 48 months.
02
The challenge
Hospitality trading moves quickly with seasonality, card receipts and supplier costs, so lender appetite varies materially from one lender to the next.
03
The structure
We looked for a longer-term facility so the repayments sat comfortably within the café's trading, rather than a short-term product with heavier monthly payments.
04
The result
The £55,000 loan completed over a 48-month term.
What our clients say
We had already approached other finance companies who weren’t able to help. From our first conversation to everything being completed took around 7 days, and they kept us informed throughout. If you’ve struggled to get help elsewhere, I would absolutely recommend giving them a call.
Family-run businessMachine finance after other lenders couldn’t helpGoogle review
Simon has been fantastic in supporting my business to secure suitable funding across several deals. He is fair and always gives advice that is in the best interest of his clients. I would recommend them to anyone.
Business ownerRepeat clientGoogle review
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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.
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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.
£35,000
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