The restaurant needed working capital around a difficult VAT payment period, then smaller facilities later to keep trading costs covered. Across four facilities, we arranged £83,500 in total. Four facilities completed, totalling £83,500. The VAT was paid and the restaurant kept its trading costs covered.
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 restaurant wanted additional funding, placed with a lender that would look at how the business actually trades.
01
The requirement
The restaurant needed working capital around a difficult VAT payment period, then smaller facilities later to keep trading costs covered.
Across four facilities, we arranged £83,500 in total.
02
The challenge
A large VAT bill fell due when the bank balance was low. Paying it from trading cash would have left little headroom for suppliers and staff.
03
The structure
We arranged revenue-based working capital so the business could meet the VAT payment without emptying its account, then went back to the market for smaller facilities as they were needed.
04
The result
Four facilities completed, totalling £83,500.
The VAT was paid and the restaurant kept its trading costs covered.
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.
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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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