Sector finance

A salon refurbishment or expansion can require cash for furniture, equipment, stock and recruitment before additional appointments are booked. A complete budget helps avoid…

Beauty businesses may need finance for fit-out, equipment or additional working capital. The funding structure should reflect whether the business sells appointments for immediate…

A construction loan can support equipment, expansion or working capital, but borrowing should reflect the payment cycle of the business’s actual projects.

Legal practices may need funding for recruitment, technology or the period before fees are collected. A finance proposal should distinguish the firm’s own revenue…

Groundwork contractors may pay for plant, fuel and labour well before a project produces cash. The funding plan needs to recognise certification, retentions and…

Transport businesses need cash for fuel, drivers, insurance and repairs as well as vehicles. A loan should be assessed against the margin and timing…

Waste businesses may need funding for vehicles, processing equipment and site improvements. The commercial case should cover the whole operation rather than only the…

Buying a franchise involves more than paying the initial fee. Fit-out, stock, training, staffing and early trading losses can all affect the amount required.

Pubs and bars often need to spend before they earn, particularly on stock, refurbishment and seasonal staffing. Finance should be assessed against realistic trading…

Hotels, restaurants and other hospitality businesses can need funding for very different reasons. Replacing kitchen equipment, expanding rooms and covering a temporary booking gap…