£38,000
Completed transaction · Pub company
£256,000 across eight facilities. From day-to-day cash flow to a venue ready for summer.
A pub company that uses finance as a business tool, not an emergency, including outdoor tables and a covered awning ahead of summer.
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- Amount
- £256,000
- Sector
- Pub company
- Structure
- Revenue-based finance
- Outcome
- Repeat funding relationship
In short
The business needed funding for a mix of working capital and investment in the venue, including new outdoor tables and a covered awning ahead of summer trading. Over eight separate facilities, we arranged £256,000 in total. Eight facilities completed, totalling £256,000. The business has used finance both to manage cash flow and to invest in the venue itself, ready for its busiest season.
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 pub company wanted additional funding, placed with a lender that would look at how the business actually trades.
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The requirement
The business needed funding for a mix of working capital and investment in the venue, including new outdoor tables and a covered awning ahead of summer trading.
Over eight separate facilities, we arranged £256,000 in total.
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The challenge
Pub trading moves quickly. Takings, supplier costs and staffing all shift with the season, and the investment had to be made before the summer trade that would pay for it.
The business needed extra headroom without putting day-to-day cash flow under strain.
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The structure
We matched the funding to how the pub actually trades, using a revenue-based structure where repayments follow takings rather than a rigid conventional bank loan.
Each time the business came back, we went back to the market for the facility that fitted at that point.
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The result
Eight facilities completed, totalling £256,000.
The business has used finance both to manage cash flow and to invest in the venue itself, ready for its busiest season.
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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.