Most hospitality operators lose sleep over finance because their bank does not understand seasonal revenue, lease-based security, or fitout ROI. We find lenders who do.
Summer surges, January slowdowns, Christmas peaks. A standard serviceability model flags this as instability. It is not. It is how hospitality works. Krishna frames your trailing 12-month picture correctly so seasonal variance supports the application rather than killing it.
Most hospitality operators do not own their premises. Banks call this a security problem. The right lender does not. We structure security around goodwill, equipment value, and lease quality when real property is not on the table.
A $400,000 fitout in a leased space generates real revenue. A generalist analyst depreciates it to zero and moves on. We build the credit narrative around trading uplift and payback period. That is how the right lender looks at it.
Commercial kitchens, refrigeration, POS systems. Each has a specific depreciation profile. Finance structures should match equipment life. We know which lenders offer appropriate terms for hospitality assets rather than applying generic rates.
New venue fitouts, refurbishments, compliance upgrades. Structured around your projected trading uplift and remaining lease term, beyond the asset value alone.
Coffee machines, combi ovens, refrigeration, POS systems, full kitchen replacements. Finance terms matched to equipment lifecycle and your revenue cycle.
Bridge the January slowdown. Fund the Christmas peak. A revolving line draws when you need it and repays when revenue returns. No fixed monthly obligation during your slow period.
Buying an existing restaurant, cafe, bar, or hotel including goodwill, fitout, and client base. Credit narrative built around trailing revenue quality and retention risk, the two things that actually justify the purchase price.
Point-of-sale systems, reservation platforms, online ordering infrastructure. Short-term finance structures for technology with a 2-4 year lifecycle, without locking you into a 7-year term.
Outdoor dining additions, rooftop extensions, second venue. Structured as a standalone facility or against the strength of your existing venue's trading history and goodwill.
The operator of two busy Melbourne cafes had identified a third location. An existing fitout in a well-trafficked inner suburb. Their bank reviewed the business as a lease-based entity with no freehold security and declined. Four brokers came back with equipment-only approvals that did not cover the acquisition premium.
We reviewed the trailing revenue from both existing venues, built the acquisition narrative around fitout quality and foot traffic data, and approached a lender with genuine appetite for multi-site hospitality operators. The security package combined equipment value across all three venues and a personal guarantee. No residential property required.
Result: Approved for the full acquisition amount. Third venue open within six weeks of enquiry.
Client details anonymised. Results vary by applicant profile and lender appetite.
Krishna understands how lenders assess hospitality businesses. The seasonal revenue, the lease-based security, the fitout ROI. That context is what separates a fast approval from a committee referral.
Confidential · No Credit Impact