Seasonal revenue, lease-based security, fitout cycles, and equipment that depreciates fast — hospitality finance is specialist work. We structure submissions that reflect how your business actually operates, not how a retail bank credit model assumes it does.
Summer surges, winter troughs, Christmas peaks and January slowdowns create revenue patterns that standard lender models flag as risk. We frame your trailing 12-month picture correctly so seasonal variance supports the application — not undermines it.
Most hospitality operators don't own their premises — they hold a lease. We understand how to structure security when real property isn't available, including how lenders assess goodwill and equipment value in this context.
A $400,000 fitout in leased premises creates value that's hard for a generic analyst to quantify. We build the credit narrative around trading revenue uplift and payback period — not just the depreciation schedule.
Commercial kitchens, refrigeration, POS systems, and bar equipment have specific depreciation profiles. Finance structures should match equipment life — and we know which lenders offer the right terms for hospitality assets.
New venue fitouts, refurbishments, and compliance upgrades. Structured around your projected trading uplift and the length of your remaining lease term.
Coffee machines, combi ovens, refrigeration, dishwashers, POS systems, and full kitchen replacements. Finance terms matched to equipment lifecycle and your revenue cycle.
Bridge the January–March slowdown. Fund extra staff and stock for the Christmas peak. A revolving line of credit gives you the flexibility to draw when needed and repay when revenue returns.
Buying an existing restaurant, café, bar, or hotel — including goodwill, client base, and fit-out. We frame the acquisition credit narrative around trailing revenue quality and retention risk.
Point-of-sale systems, reservation platforms, online ordering infrastructure, and kitchen display systems. Short-term finance structures for technology with a 2–4 year lifecycle.
Outdoor dining additions, rooftop extensions, or adding a second venue. Structured as a standalone facility or against the strength of the existing venue's trading history.
The operator of two busy Melbourne cafés had identified a third location — an existing fitout in a well-trafficked inner-suburb. The problem: their bank reviewed the business as a lease-based entity with no freehold security and declined. Their accountant had referred them to four brokers, all of whom came back with equipment-only approvals that didn't cover the acquisition premium.
We reviewed the trailing revenue from both existing venues, structured the acquisition narrative around the quality of the existing fitout and the location's foot traffic data, and approached a lender with genuine appetite for multi-site hospitality operators. The security package combined equipment value from all three venues and a personal guarantee — no residential property required.
Result: Approved for the full acquisition amount. Third venue opened within six weeks of enquiry.
Client details anonymised. Results vary by applicant profile and lender appetite.
We understand how lenders assess hospitality businesses — seasonal revenue, lease-based security, and the credit narrative that makes the difference between a fast approval and a committee referral.
Confidential · No Credit Impact
