£38,000
Completed transaction · Pub
£145,000 across four facilities. Topped up as the balance came down.
A pub that invested in its venue and kept its working capital topped up as each facility was repaid.
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- Amount
- £145,000
- Sector
- Pub
- Structure
- Revenue-based finance
- Outcome
- Repeat funding relationship
In short
The pub needed funding for working capital and venue improvements, with further top-ups as the original facility was repaid. Across four facilities, we arranged £145,000 in total. Four facilities completed, totalling £145,000. The pub could invest in the venue and keep its working capital topped up.
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 wanted additional funding, placed with a lender that would look at how the business actually trades.
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The requirement
The pub needed funding for working capital and venue improvements, with further top-ups as the original facility was repaid.
Across four facilities, we arranged £145,000 in total.
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The challenge
Pub trade moves with the season, and supplier costs and staffing move with it. A top-up only makes sense if the timing works against what is still outstanding.
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The structure
We used a revenue-based structure, with repayments following takings, and timed each top-up as the existing balance reduced.
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The result
Four facilities completed, totalling £145,000.
The pub could invest in the venue and keep its working capital topped up.
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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.