Food & beverage

Quick answer

F&B has high fit-out and equipment costs, thin margins and daily cash sales, so equipment financing, sales-linked financing and community funding often fit.

Best-fit financing, in order

  1. 1

    Leasing & asset financing

    Why: Kitchen equipment and vehicles can be financed against the asset.

  2. 2

    Revenue & cash-flow financing

    Why: Card and QR sales data can support financing that flexes with footfall.

  3. 3

    Government-backed loans & guarantees

    Why: Micro and small-business schemes can fund outlet set-up with less collateral.

  4. 4

    Equity crowdfunding (ECF)

    Why: Brands planning multiple outlets can invite fans and customers to invest.

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