The business needed working capital for stock, staffing and operating costs during a period of growth. The £70,000 short-term business loan completed, giving the business working capital for its growth.
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 food and beverage business, the job was finding a lender whose appetite matched the real trading, not a sector assumption.
01
The requirement
The business needed working capital for stock, staffing and operating costs during a period of growth.
02
The challenge
The lender's offer came with underwriting conditions that had to be cleared before anything could complete.
03
The structure
We worked through the conditions with the business and the lender. Once they were cleared, the offer was increased to £70,000.
04
The result
The £70,000 short-term business loan completed, giving the business working capital for its growth.
What our clients say
Spoke with Simon, who managed to get me the loan I needed promptly. The whole process was very smooth and was completed within a few days.
Business ownerBusiness loanGoogle 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.
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.
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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.
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