The business wanted £35,000 of additional capital. The business accessed secured funding with the charge sitting on the trading property rather than the director's main residence.
Secured lending can open up more options for a hospitality business that owns its premises. It also raises an obvious question for the people behind it: what exactly is the lender taking security over?
For the owners of a pub with bed and breakfast rooms, that question mattered as much as the money.
01
The requirement
The business wanted £35,000 of additional capital.
02
The challenge
Before going ahead, the client wanted clarity about where the security would sit, and in particular whether the director's main residence would be involved.
03
The structure
We placed a £35,000 first-charge facility secured against the trading B&B property, held through the limited company.
04
The result
The business accessed secured funding with the charge sitting on the trading property rather than the director's main residence.
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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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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.
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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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