£38,000
Completed transaction · Coffee business
£95,000 across three facilities. The structure mattered as much as the amount.
Existing borrowing limited how much a lender would offer. We structured around it so the business could keep growing.
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- Amount
- £95,000
- Sector
- Coffee business
- Structure
- Revenue-based finance
- Outcome
- Repeat funding relationship
In short
The business needed growth funding and working capital across stock, staffing and supplier costs, with further funding as it expanded. Across three facilities, we arranged £95,000 in total. Three facilities completed, totalling £95,000. The business had funding for stock, staff and suppliers as it expanded.
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 coffee business, 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 growth funding and working capital across stock, staffing and supplier costs, with further funding as it expanded.
Across three facilities, we arranged £95,000 in total.
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The challenge
An existing balance constrained the maximum a lender would offer, so the structure of each new facility mattered as much as the headline amount.
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The structure
We used revenue-based funding matched to the business's trading pattern and worked with its existing borrowing, so each facility fitted what the business could carry.
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The result
Three facilities completed, totalling £95,000.
The business had funding for stock, staff and suppliers as it expanded.
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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.