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FOR HOSPITALITY, RETAIL AND TOURISM
Busy season pays. The quiet months still cost.
Rent, wages and suppliers don’t drop when trade does. We look at your takings, your seasons and your plans, then find funding that follows the way your business actually earns.
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Options with repayments linked to takings
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Stock and staff before the busy season
Make an enquiry
A broker will call you to discuss your options. No obligation.
SOUND FAMILIAR?
Seasonal trade. Steady bills.
The quiet months still have rent. Rent, wages and suppliers stay the same when the tourists, students or shoppers go home.
Stock comes before the busy season. You pay for stock and extra staff weeks before the rush starts.
Fixed repayments don’t suit uneven takings. A set weekly repayment hurts most in your quietest week.
The oven or the fit-out can’t wait. Equipment breaks, and refurbishments need doing before they pay for themselves.
Lenders want two years of numbers. A newer venue, a new owner or one rough year can rule out standard options.
HOW WE HELP
Structure, lender fit, timing and what comes next.
Structure
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Repayments as a share of card takings, where it suits
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A line of credit for uneven months
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Equipment and fit-out finance kept separate
Lender fit
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Lenders who understand seasonal trade
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Options for newer venues or past credit issues
Timing
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In place before the busy season
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Matched to your weekly takings
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Planned around the quiet months
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Clear on fees before you sign
Tomorrow
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Room for a second venue or new location
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Limits that can grow with turnover
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Avoiding short-term debt that boxes you in
WHAT IT CAN LOOK LIKE
Stocking up before summer
Illustrative scenario
A coastal cafe and gift store does most of its year between December and April. Stock and casual staff need to be in place by late November, but winter takings are thin. The owner talks through a facility with repayments linked to card takings, so quieter weeks cost less, compared with a small line of credit that is only drawn when needed.
QUESTIONS
Common questions
How do repayments linked to takings work?
Some lenders take an agreed share of your card takings, so repayments are lower in quiet weeks and higher in busy ones. The total cost can be higher than a standard loan, so we compare the options with you.
Can I finance a fit-out or kitchen equipment?
Often, yes. Equipment and fit-out finance can spread the cost so your working capital stays free for stock and staff.
What do I need to have ready?
Usually your ABN, recent business account statements, POS or card terminal reports, your latest BAS and ID for the directors. Your broker confirms the list.
We’ve only been trading a short time. Can you help?
Possibly. Some lenders look at newer businesses with steady card takings. Options are more limited, and it is subject to lender criteria.
What does it cost and how do you get paid?
Costs depend on the lender, the product and your business. Your broker explains every fee and cost before you decide. We may be paid a commission by the lender or charge a fee, and we tell you before you apply. Subject to lender approval; fees and terms apply.
Tell us what’s going on.
A short call is usually enough to see whether funding could help now, and how it could be set up for what comes next. No obligation. Business purposes only. Subject to lender approval; fees and terms apply.