£38,000
Completed transaction · Coffee shop
£13,450 across five facilities. Small sums, real difference.
Not every funding story is a rescue. A coffee shop used small, well-timed facilities for supplier bills and working capital.
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- Amount
- £13,450
- Sector
- Coffee shop
- Structure
- Revenue-based finance
- Outcome
- Repeat funding relationship
In short
The coffee shop needed a series of small cash injections, including funding for supplier invoices and seasonal working capital. Across five facilities, we arranged £13,450 in total. Five facilities completed, totalling £13,450. The business could pay its suppliers on time without straining day-to-day cash.
Independent hospitality rarely fits a lender's standard template. Takings arrive by card, trade moves with the seasons and supplier bills land before the busy weeks do.
This coffee shop wanted additional funding, placed with a lender that would look at how the business actually trades.
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The requirement
The coffee shop needed a series of small cash injections, including funding for supplier invoices and seasonal working capital.
Across five facilities, we arranged £13,450 in total.
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The challenge
In a coffee shop, takings arrive daily by card while supplier bills arrive in lumps, and seasonal trade widens the gap at some times of year.
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The structure
We matched the funding to how the business trades, using revenue-based facilities repaid from card takings rather than fixed monthly repayments.
The supplier invoices were verified as part of the process, so the lender could see exactly where the money was going.
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The result
Five facilities completed, totalling £13,450.
The business could pay its suppliers on time without straining day-to-day 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.