The restaurant needed working capital. We arranged £42,000. The £42,000 facility completed and the restaurant had the working capital it needed.
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 restaurant, the job was finding a lender whose appetite matched the real trading, not a sector assumption.
01
The requirement
The restaurant needed working capital.
We arranged £42,000.
02
The challenge
Other lenders had raised concerns over the business's credit profile and existing borrowing. Appetite for that profile varies widely across the market.
03
The structure
We looked for lenders who assess a restaurant on its card takings and trading pattern, and arranged revenue-based funding repaid from takings rather than a conventional bank loan.
04
The result
The £42,000 facility completed and the restaurant had the working capital it needed.
What our clients say
I manage the VFO department at an accountancy practice and contacted Simon on behalf of a client whose unique situation made him appear unsuitable for finance. I had a chat with Simon and he got straight onto the case and found a fantastic finance deal which allows my client to take his business to the next level. Finance that appeared unattainable was sorted within a short period of time.
Accountancy practiceIntroduced a clientGoogle review
We had already approached other finance companies who weren’t able to help. From our first conversation to everything being completed took around 7 days, and they kept us informed throughout. If you’ve struggled to get help elsewhere, I would absolutely recommend giving them a call.
Family-run businessMachine finance after other lenders couldn’t helpGoogle review
Quick enquiry
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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.
£38,000
£14,000
£9,000