Cash Generation & Loan Affordability Increasingly we are seeing lenders use cash generation as the method of judging loan affordability, rather than net profit as has been the case historically. The question for a lot of businesses is ‘what is the difference’ or ‘what is it’ because net profit shows on your accounts but cash
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The State of Franchising in the UK A survey by the British Franchise Association (BFA) in conjunction with Natwest has shown some interesting statistics. The first thing to consider is that during 2011 UK GDP grew by only 0.7%, whereas the UK franchise sector increased it’s economic contribution by 8%. During this same period franchise turnover
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Food Industry Finance. In the UK the food industry accounts for 2 million jobs, turnover north of £70bn, is 15% of the UK manufacturing industry and accounts for 13% of all manufacturing jobs. Which beggars the question of why we get asked for assistance by so many food based companies. Food industry finance can be
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Restaurant finance can be challenging as more and more high street banks place the restaurant sector into a ‘non-preferred’ industry segment. The restaurant sector is one which has seen much change and fluctuation during the course of this recession. There have been a number of operators fail, but that does not mean the sector is
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The Proposition Given To Us We were introduced to an Indian Restaurant and Take Away by their accountant. The client had approached their accountant as the bank had turned down the restaurant’s loan application, citing restaurant finance as an area they had no interest in. They had also had problems with the business’ financial accounts,
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