The restaurant first needed £25,000 to cover VAT and other bills. Later facilities supported refurbishment and operating improvements. Across three facilities, we arranged £73,000 in total. Three facilities completed, totalling £73,000. The bills were paid, and the restaurant went on to invest in its premises.
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 first needed £25,000 to cover VAT and other bills. Later facilities supported refurbishment and operating improvements.
Across three facilities, we arranged £73,000 in total.
02
The challenge
The first requirement was immediate: a VAT bill and other costs that needed paying, in a sector where takings and supplier costs move quickly.
03
The structure
We arranged revenue-based funding matched to the restaurant's trading pattern, then went back to the market for each later facility as the business invested.
04
The result
Three facilities completed, totalling £73,000.
The bills were paid, and the restaurant went on to invest in its premises.
What our clients say
I contacted them to apply for a VAT funding loan. Simon responded within half an hour of my request and was able to confirm funding within a 24 hour period. It was the first time I have had to apply for funding owing to a short-term cash flow problem, and he made the journey so easy. Kind and highly efficient: I would highly recommend them for a fast, professional service.
Company directorVAT fundingGoogle 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.
Can a business borrow to pay a VAT or tax bill?
Often, yes. VAT, corporation tax and other HMRC liabilities can be spread with a dedicated tax funding facility, so the bill is paid on time without draining working capital. Subject to status. See HMRC and tax funding.
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.
£83,500
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£38,000