Spice Bros Brighton Limited is a restaurant based in Brighton that approached Crispcap for funding to set a strong financial foundation. The business not only needed money to catch up on supplier credit, but also to fuel future growth and establish reserves.

Having been trading for 3 years, Spice Bros Brighton struggled to find a traditional lender willing to adjust the underwriting criteria. Spice Bros Brighton turned to Crispcap, who was able to unlock funding with favourable terms.

Here’s how their funding journey played out.

How Did Spice Bros Brighton Start?

Spice Bros Brighton is a family-run restaurant. With many family members working in the industry, they decided to branch out and start their own business. Since its inception, Spice Bros Brighton has believed in sourcing quality ingredients and using traditional cooking methods. Despite the restaurant industry being plagued with cash flow issues, staff shortages, and other setbacks, Spice Bros Brighton was able to build their market share with their unique spice blends and family-centered business model.

What Challenges Did They Face Before Getting a Business Loan?

Prior to funding from Crispcap, Spice Bros Brighton leveraged their supplier relationships to purchase inventory on credit. While this was a good short-term solution, the supplier’s credit terms were high, rigid, and inflexible. With high monthly payments, Spice Bros Brighton was struggling to maximize cash flow.

Spice Bros Brighton also faced difficulty securing funds due to being in business for just three years. Even though their business model was solid and their customer base was growing, traditional lenders were not willing to budge.

How Has a Business Loan Helped Them?

The business loan from Crispcap gave Spice Bros Brighton the ability to catch up on invoices. They were able to pay off credit and outstanding invoices. With these debts cleared, Spice Bros Brighton had the ability to increase their inventory and have the flexibility to redraw on supplier credit if needed. This flexibility not only gives peace of mind but also opens the door for growth.

What’s Next for Spice Bros Brighton?

With old supplier invoices cleared out, Spice Bros Brighton has expansion plans. With a solid financial foundation and funded reserves, they can hire more team members, make larger supply orders, and enlist the help of a marketing team.

Getting Started with Your Business Loan

Does it sound like your business can benefit from flexible business financing? Our team at Crispcap is ready to help your business unlock financing solutions that fit your business needs. Get in touch here.

Emis Logistics is a light haulage business based in Wigan, and they approached Crispcap to get some funding and ease pressure on their cash flow. The business was struggling with long contractor pay terms.

The delay in payment was affecting their entire operation. From staff payments to fleet vehicle repairs.

Crispcap arranged Emis Logistics a £10,000 unsecured business loan over 12 months to assist with essential day-to-day expenses. Since getting funded, they’ve been able to scale their growth more than ever before.

Here is their funding journey.

How Did Emis Logistics Start?

Emis Logistics was founded by Emil Sandu in 2021. After building the foundations for the business as a self-employed contractor, it wasn’t long before it became a multifaceted limited company with clients all over the UK.

Despite rising fuel costs and growing driver wages, Emil built a profitable logistics firm that continues be reliable and economical for his clients. His firm is utilised by businesses across the country and he goes above and beyond to maintain these valuable partnerships.

But even amongst successful SMEs like Emil’s, the logistics industry raises consistent cash flow challenges.

What Challenges Did They Face Before Getting a Business Loan?

Long contractor payment terms are a renowned struggle within the logistics sector. Many contractors have moved to 30 to 90-day payment terms, with some extending payments to 120+ days.

For SMEs like Emis Logistics, this can put a destructive strain on cash flow. It can be difficult to fund deliveries, staff wages, and compliance requirements when your profits are tied up in unpaid invoices.

What’s more, Emil told Crispcap that vehicle repairs and maintenance costs were quickly mounting up. It became a struggle to keep his operation moving without the finance to support it.

How Has a Business Loan Helped Them?

After getting a £10,000 business loan from Crispcap, Emil told us that the pressure on his cash flow was instantly relieved.

It created a financial buffer to keep Emis Logistics moving forward while his clients processed his invoices.

More drivers could be hired, orders could be prepared, and the efficiency of his operation grew tenfold.

Additionally, Emil could pay for preventative measures on his fleet vehicles to ensure their reliability. Short-term repairs were replaced with high-quality maintenance, even though it was more expensive upfront.

Emis Logistics are free to plan their projects more effectively and, in turn, increase their client base.

What’s Next for Emis Logistics?

Emis Logistics have increased their workload with the support of a business loan and they want to scale that growth.

Emil is planning more strategies to widen the reach of the business, whether that means more vehicles, drivers, or depots across the country.

The reassurance of steady cash flow has given him the confidence to plan Emis Logistics’ growth. Running costs are now easier to predict and allowed him to accept more contracts.

How To Get a Business Loan

You can apply for a business loan in 30 seconds here. Your application won’t affect your credit score and Crispcap can fund businesses in as little as 4 hours.

At Crispcap, we’ve secured many scaffolding business loans and this month has been no different.

Only last week, we arranged Sam at Firth Scaffolding LTD a £10,000 unsecured business loan. He’s using the funds to buy essential material for his upcoming jobs.

Instead of shelling out thousands of pounds a month to rent tubes, fittings, and boards, Sam used commercial finance to purchase the equipment instead. He has reduced his monthly outgoings, plus he’ll keep the kit at the end of the loan term.

Business loans have a variety of benefits for scaffolding companies that want to grow or maintain their operation. Here are 5 primary ways that commercial finance can reduce the stress of running a scaffolding business.

Materials

The right materials are necessary for a scaffolding job, so directors have the option to buy or rent them.

Tubes, fittings, boards, base jacks, and toe boards can cost thousands of pounds. Not to mention PPE equipment for workers like hard hats and high-visibility jackets.

Scaffolding business loans can be an invaluable way of getting capital to purchase essential materials for an upcoming job. You can get the equipment ready without draining your cash flow or causing delays to your operation.

What’s more, equipment finance allows you to own the materials at the end of your monthly payments. This is much more cost-effective than renting and returning them.

Delayed Invoices

On average, a construction company in the UK waits 53 days to get payment after completing a job.

Scaffolders often fall victim to this delay and can be left without funds to support their next project. This can cause interruptions to their workload and hugely stunt their ability to grow as a business.

Business loans can be a stopgap for scaffolding companies to cover unpaid invoices. That means they can quickly fund upcoming jobs without having to wait on payment from a previous customer.

Commercial finance can empower businesses to take more control of their work schedule.

Transport

Vehicles like trucks and vans are essential for transporting tubes, boards, and fittings, but they’re an expensive upfront purchase.

That’s why scaffolding business loans can be a helpful finance option. They can be used to buy vehicles quickly and repay it in manageable monthly instalments.

This can provide companies with transport to accommodate new contracts and a manageable payment plan that works for them.

At Crispcap we’ve helped countless businesses secure finance so they can make essential upfront payments. You can check your eligibility for a business loan in 30 seconds here.

Paying Staff

Despite scaffolding companies having to wait weeks to get payment, their staff expect their wages promptly.

Not paying scaffolding contractors on time can cause a range of issues. This includes legal troubles, a tarnished reputation, and a lack of loyalty from employees. You need to protect your staff with regular wages that arrive on time, even if your cash flow is tight.

Scaffolding business loans allow construction companies to pay their workers even when they’re waiting on an unpaid invoice. As payment applications can be a drawn-out process, business finance can be a helpful buffer to pay workers. In doing so, you’ll maintain your operation and workers’ satisfaction.

TAX and VAT Bills

Small businesses like scaffolding companies are no strangers to unexpected tax bills. Perhaps, the amount is more than they thought, or they haven’t been putting money aside throughout the year.

Paying tax bills in full can be difficult for businesses that need to protect their cash flow. Whether you’ve recently shelled out for new tubes and boarding, or had to repair one of the trucks, a lump sum tax payment can be tough when margins are already tight for the month.

Using a business loan for tax and VAT bills means that they are settled on time and full. Then you repay the loan in monthly instalments for a more affordable payment plan.

That way you’ll stay compliant with HMRC’s terms, and your cash flow isn’t jeopardised.

Are Scaffolding Business Loans for Me?

If you run a scaffolding or construction business, loans can be a helpful way to keep your business growing. They offer an affordable way to make sizeable purchases that your business needs. Whether that’s materials, vehicles, staff or tax bills.

But more importantly, business loans give scaffolders the freedom to make essential purchases without draining their cash flow. They can unlock a wealth of growth opportunities.

You could secure commercial finance for your scaffolding business in as little as 4 hours with Crispcap. Apply for a business loan here or use our loan calculator to check your eligibility.

When Crispcap spoke to Frank this month, business owner of Jaseda Construction, he said that the company was performing well.

The London-based construction business UK was turning over approximately £100,000 each month and the contracts kept coming in. But with more success comes more overhead expenses, and Frank began to feel the pinch of a tighter cash flow.

He needed more staff to support the projects that were coming his way, but he had thousands of pounds tied in unpaid invoices. If he were to subcontract more workers, he needed funds to cover their wages and get the jobs underway.

Frank sought advice from Crispcap about getting a business loan to support his recruitment roadblock.

Frank’s Construction Business UK: How Did It Start?

Frank had worked as a subcontractor for years. He’d been on large-scale construction projects that spanned many months and worked under a variety of management.

After working with surveyors and project managers, he learned important skills for running successful construction work of all sizes. It didn’t take long before Frank wanted to start his own business venture in the same industry.

His perspective as a subcontractor taught him what employees value most from their bosses. He recognised that clear payment terms with subcontractors were a crucial aspect of running a business. By keeping workers satisfied, construction projects would stay on schedule too.

Before long, Frank founded Jaseda Construction and assembled a team of trusted officers, managers, and executives. They began sourcing their own work using the network of contacts they’d built in their professions.

Only a year later and Jaseda are turning over £100,000 and looking for new ways to manage their increasing workload.

What Challenges Were They Facing Before Getting a Business Loan?

Jaseda needed funding to support new contracts that were coming in. This included materials and equipment for the jobs.

But more than anything, the construction business UK needed a loan to hire more subcontractors such as plasterers, carpenters, and electricians. They form a crucial part of Jaseda’s service.

Getting Paid as a Contractor

Whilst every payment schedule is different with each customer, contractors like Jaseda have to wait up to 60 days to get paid after a project.

An application for payment is the most common payment method for construction companies in the UK. It involves them requesting stage payments from the client for completed aspects of the work. This is supposed to financially support businesses over long projects and ensure they meet deadlines.

However, the client can dispute and reject applications when they inspect the work that’s been completed. What’s more, disruptions from the weather, supply chain, or planning permission can cause delays to the job. This can cause contractors to not receive their payments on time.

These factors can create an unpredictable cash flow for construction companies and stunt their potential to grow.

Hiring Subcontractors

In unpredictable circumstances like these, hiring subcontractors can be a big challenge for construction companies.

Subcontractors get paid by either submitting invoices (usually 30-net) or an application for payment. But whatever the structure is, it’s very difficult for construction businesses to agree on payment terms when their own cash flow is uncertain.

Without a steady cash flow, they risk late payments to subcontractors and delaying the project entirely. This prevents many business owners from hiring more staff and growing their operation.

How Has a Business Loan Helped the Company?

Frank got in touch with Crispcap to check his eligibility for an unsecured business loan using our 30-second form. We approved him for a loan amount of £3,700 within 24 hours of his application.

Since then, Frank has used the finance to support his hiring process. He has hired more subcontractors for a range of projects to keep the business moving forward.

When it comes to paying the wages of these workers, Frank rests easy knowing that he has funding in place to pay them on time and in full. No matter if his invoices are paid, the business loan helps pay his team and keep things running.

Frank also set some of the unsecured loan aside to cover expenses for materials and equipment for upcoming projects.

What Is Jaseda’s Plans for the Future?

Frank is thrilled with how a business loan has helped his operation grow, and he intends to get more funding to push it further.

Now that he’s been approved and made regular repayments, it’s likely that he’ll be eligible for longer loan terms and higher amounts soon.

He plans to hire more subcontractors to work on his residential and commercial projects across the UK.

He’s also looking into different ways that he can market the construction business UK. This includes putting considerable spend into social media and pay-per-click adverts. This should generate fresh leads instead of solely relying on work through word of mouth.

As a small business owner, he feels supported knowing he has the staff and funding to book in more projects than ever before.

Getting a Loan for a Construction Business UK

You can apply for a business loan in 30 seconds with our free eligibility checker. Once you’ve submitted your basic business information, we’ll be in touch to discuss the finance options available to you.

You also also use our business loan calculator to get an idea of repayment terms and amounts.

Just this week, Crispcap arranged a loan for jewellery business: Lotus Diamond. The family-owned jewellery company has been in Haluk’s (the business owner’s) family for generations and has had a UK presence for over 20 years.

We arranged Haluk a loan amount of £19,000 so he could buy stock in bulk and unlock lower prices on each item.

At Crispcap, we’ve seen countless businesses use commercial finance in this way to save money. Purchasing in large quantities is a preferred method of trade from buyers and manufacturers alike.

Here is why bulk buying can bring about huge savings for SMEs like Lotus Diamond LTD and streamline their operation.

1. Production and Distribution Efficiency

When buyers order in bulk, it can have shockwave affects across manufacturers’ supply chains as their workload and costs can be greatly reduced.

This is because distribution costs have hiked in recent years, so ordering in bulk means there are more product(s) in less packaging with fewer shipping journeys.

This year, E-commerce businesses across the UK are seeing last-mile delivery cost increases of up to 90%, so companies everywhere are seeking ways to reduce distribution prices.

Companies will share savings with customers who buy more product in fewer orders and incentivise them with cheaper rates.

This is great news for SMEs with a steady turnover, as they can utilise these low rates to make savings of their own. Plus, bulk buying reduces packaging demand and CO2 emissions from shipping. This can help businesses meet their environmental quotas.

A business loan can help companies bulk buy, you can apply for funding in 30 seconds here.

2. Inventory

Keeping stock in storage can be expensive for suppliers. In fact, inventory holding costs are usually 20-30% of a business’s total inventory value annually.

Suppliers want their stock sold because the longer it stays in storage, the more it could cost their operation. That’s why they offer discounts on bulk buys, as bigger orders mean there are fewer overhead costs for them.

The issue of storage raises an important point for buyers as well, as ordering in bulk should be done with caution.

SMEs should only buy large quantities of stock if there is high demand from their business, or they have the capacity to store it. Otherwise, businesses can face workspace issues or damage to the products if they’re not kept correctly.

But for the most part, businesses know how much to buy, what they can afford, and how much they can store. So, making the most of a bargain shouldn’t be an issue.

For Haluk at Lotus Diamond LTD, his bank statements and full filed accounts displayed consistent and high turnover. He took a business loan and ordered more jewellery because he knew the products would sell and he’d make a huge saving from bulk buying.

3. Cash Flow Security

A stable cash flow is invaluable to every business, and that is particularly true for suppliers.

When a bulk order is made, a supplier is getting predictable revenue upfront, and that can have a wealth of benefits to their operation.

It means they can plan their supply chain more efficiently and keep the business running when individual orders might be slow. Upfront payment can also be quickly reinvested into the business to drive growth and future earnings.

Suppliers value financial stability, so they will lower their unit prices for bulk orders. In turn, SMEs get discounted rates and can buy more products for a lower cost. Bulk buying supports the cash flow of every business in the supply chain.

Ultimately, Haluk made a bulk purchase on stock to strengthen the business’s cash flow. The savings he’s made will be funnelled back into Lotus Diamond LTD for an expansion into new territories, including London and Wales.

4. Negotiation

With the promise of a high-volume order, SMEs are in a strong position to drive costs down.

SMEs should already get a substantial discount with a bulk buy, but they can still negotiate a lower price. Custom order like this makes up for most business transactions today.

These discounts aren’t guaranteed, but it’s important for small businesses to remember the leverage they have when bulk buying. Plus, suppliers deeply value the stable income from high-volume orders, so it’s certainly worth putting an offer in to see what comes of it.

Haluk at Lotus Diamond followed this practice. After securing an unsecured business loan, he negotiated a lower price per unit of jewellery from his suppliers. They were happy to go ahead with the discounted rate in exchange for the financial security of his order.

Haluk has made a huge saving on the stock and put some aside for the eventual launch of his new stores too.

Why Bulk Buy?

Bulk buying is cost-effective because it’s mutually beneficial for suppliers and buyers.

For suppliers, it offers a stable income that can boost growth and reinvestment. It also allows them to streamline production and distribution for a cheaper and more eco-friendly supply chain.

For buyers like SMEs, it’s the key to unlocking cheaper rates per unit and increasing their profit margins. Bulk buying also helps SMEs meet the demands of their consumers, which will improve customer retention and satisfaction.

Bulk buying has the power to strengthen the cash flow of any business.

Loan For Jewellery Business and Similar SMEs

Whist bulk buying has an enormous wealth of benefits for a SMEs, it requires a large initial investment. This can be difficult for small businesses that need to protect their cashflow but also want long-term savings on their stock.

Business finance can give you an injection of funding to buy the stock you need and save money in the long run. You can apply for a business loan and choose from a variety of loan terms without affecting your credit score. Or use our loan calculator to choose a repayment schedule.

The energy crisis in the UK spiked in 2022 when a decrease in Russian supply sent shockwaves across the European markets. What’s more, the global demand for energy after the lockdowns hiked prices before the war between Russia and Ukraine began.

The landscape of energy prices has been volatile in the UK ever since. Wholesale energy costs dropped in February, but they’re set to rise again as the winter months approach in October 2025.

Households can somewhat rely on an energy price cap to keep costs at a manageable rate, but there is no government-backed system in place for businesses.

This means that UK-based businesses are facing soaring energy prices, and that is particularly true for Daniel, who owns Zuma Rock Restaurant & Bar. He recently took out a business loan to manage his cash flow as the cost of energy was draining his finances.

How Did the Business Start?

Daniel founded Zuma Rock in 2023 with his wife. After saving for many years, they bought a commercial property to renovate and open their own bar and restaurant that specialises in African cuisine.

The UK was recovering from the energy crisis in 2022 when Daniel started his Kettering-based restaurant. Prices were gradually decreasing, and it seemed like a less volatile environment to begin a new business venture.

Source: nationalgrid.com Prevailing View tool (system average price)

Why Did Zuma Rock Get a Business Loan?

Daniel applied for a business loan to ease Zuma Rock’s cash flow. The extortionate cost of energy to run a restaurant was having a devastating impact on their day-to-day operation. Their issues can be pinpointed to two main factors.

No Government Support

Zuma Rock is one of the many SMEs across the country that is suffering because there is not an energy price cap for businesses. There is only a price cap for domestic households.

The energy price cap is a limit set by Ofgem that suppliers can charge per unit of gas and electricity. It prevents suppliers from overcharging so households can keep up with potential increases in prices.

Business owners are not protected in the same way. Every company uses energy to vastly different degrees and amounts, so it’s difficult for the government to provide a singular limit that applies to all corporations.

Nonetheless, there was a scheme that ran from October 2022 to March 2024 called The Energy Price Guarantee that supported businesses during the height of the energy crisis in the UK. It limited the cost per unit of energy from suppliers so SMEs could survive the price hikes that were occurring.

The scheme ended last year when energy prices began to deflate, but many SMEs had become reliant on the price cap to afford their running costs. What’s more, energy is still vastly more expensive than pre-pandemic levels, so businesses are left to deal with higher prices with no support.

Restaurants Are Energy Intense

Zuma Rock is one of the many businesses that are adjusting to this change. Additionally, of all commercial buildings, restaurants use the highest amount of energy per square metre, so they will be hit the hardest with increased bills.

Daniel explained that the biggest drivers of energy costs in his business include:

Cooking

Equipment like ovens, grills, and hobs use a lot of electricity over long hours.

Refrigerators

Keeping food chilled and frozen is essential to avoiding bacteria but can hike energy costs.

Hot Water

Constant use of running taps and dishwashers requires the use of boilers and water heaters.

Ventilation

Ventilators need to be used to extract smoke, steam, and heat from kitchen areas.

Lighting

Bright lighting is required in the kitchen as well as comfortable lighting in the dining area. Together, these strain electricity resources.

Zuma Rock is just one of the many restaurants across the UK that are feeling the pinch of energy cost hikes. Their entire industry is bound by constant use of heat, cooling, and lighting resources to trade.

How Has a Business Loan Helped Zuma Rock?

The aftermath of the energy crisis in the UK has had a huge financial impact on Zuma Rock. With higher bills to pay, the company’s cash flow has become more strained than ever.

Daniel sought commercial finance to help with the issue.

Boosted Cash Flow

He got in touch with Crispcap for a cash flow loan to inject some working capital into the business.

Daniel told us that the result has been fantastic. After getting funded quickly and stress-free, he’s been able to make crucial payments for the business much more easily.

These mostly include stock and equipment purchases to keep the restaurant thriving. He’s also using the cash injection to cover the costs of recruiting and training new members of staff.

Loan term

Daniel opted for a cash flow loan of £2,000 over a monthly repayment term of 6 months.

For him, this influx of money will allow his business to keep moving when energy prices unpredictably spike. It’s a safety net to manage the volatile conditions of the market.

The 6-month term is a manageable repayment plan that doesn’t jeopardise the smooth running of the company. The monthly instalments allow for better financial planning and, ultimately, growth.

Daniel has said he will be returning to Crispcap after the term is finished for a higher loan amount.

What’s Next for Zuma Rock Since the Energy Crisis in the UK?

With a business loan, Daniel has found a reliable system for keeping up with energy payments and preserving his cash flow. Now he’s looking at new ways to grow the business with commercial finance.

The business owner has a plan to invest in creative marketing opportunities. Website and radio advertisements have caught his interest, and he looks forward to testing different strategies that could increase restaurant bookings.

At Crispcap, we’ve worked with countless businesses to raise finance for their marketing strategies and website builds. We look forward to supporting Daniel more soon.

Final Thoughts

It’s clear that some businesses are still struggling with energy prices in 2025. Whilst household energy caps are widely reported on, there has been little support for businesses since the Energy Price Guarantee ended last year.

Daniel’s business, Zuba Rock, is an example of how SMEs are seeking ways to protect their cash flow amongst this uncertainty. A business loan can be a much-needed source of backup finance if bills constantly fluctuate.

If the government can’t produce a scheme for controlling commercial energy prices, business finance can be a helpful way to manage unpredictable costs.

You can apply for an unsecured business loan in less than 30 seconds without affecting your credit score. A member of our team will be in touch shortly after to explore your finance options.

Crispcap has a panel of fast business loan lenders that thousands of SMEs (small to medium-sized businesses) have used for funding. For Muhammad, the owner of Azoom, a business loan was the solution to his troubles with wholesale stock.

Among his different companies, Azoom sells educational resources that teach people about the Islamic religion and culture. He sells books, stationery, and children’s toys on different online platforms.

Nevertheless, Muhammad needed funding to expand his stock line and get cheaper rates by purchasing in bulk. Crispcap’s lenders arranged him £7,500 over a repayment term of 6 months.

1. How Did Azoom Start?

Azoom started as a business venture from home. Muhammad’s passion for his religion combined with his deep value of education evolved into an exciting and prosperous business.

Among his best-selling items are books and translations of the Quran, with many children’s books proving popular too. These are mostly accessible guides to help young people transition into the responsibilities that come with the Islamic faith.

Muhammad’s business has rapidly become a profitable operation that supports people in his religious community and beyond. But to expand Azoom’s reach even further, he knew he had to investigate finance options that would facilitate more growth.

2. What Challenges Did They Have Before Getting a Business Loan?

Muhammad knew he could save more money on stock if he could buy in bulk.

This is one of the most frequently used tactics by small businesses across the globe. Studies show that SMEs that centralise spend, and leverage scale can achieve 10-15% cost savings.

Muhammad stated that even a “1%” saving in stock prices could make a huge difference to his operation. There was (and still is) a demand for his service, he just needed to supply buyers through the cheapest means possible.

Whilst bulk buying stock is a simple tactic to employ, business owners need considerable funds to get the process in motion. Among the many benefits of a business loan, this is one of their most frequent uses.

Muhammad filled in an online application with Crispcap to detail his funding requirement. He wanted to utilise our panel of fast business loan lenders to get finance for more stock at a cheaper price. We were thrilled at the prospect of scaling his business’s growth.

3. How Have Our Fast Business Loan Lenders Helped Azoom?

He’ll use the funds to buy a higher volume of stock at a cheaper rate. This means he can manage more orders across all his online stores on eBay, Amazon, Etsy, Instagram, and Facebook.

The funding has allowed him to save money on bulk buying and plan his growth for the future. This means he can streamline the ordering process for less invoices and paperwork. What’s more, his operation will benefit from consistently high stock levels as customer satisfaction will be increased.

Muhammad’s short term loan also sped up the funding process for a quick injection of working capital. He’ll be making monthly repayments at a lower interest rate than a long term loan.

His vision for Azoom has become a reality as the company is sustainably turning high profit while helping young people learn about the Islamic faith.

4. What’s Next For Azoom?

Muhammad has a few businesses, but Azoom is his main source of income. He sees it as a scalable operation that he can grow for years to come.

For him, that means buying more stock, offering more products on his online store, and cutting costs where he can. Ultimately, the more stock he buys, the more he’ll save and be prepared for future orders.

The short term loan was a great strategy to kick-start this long term goal. Next, he plans on utilising our fast business loan lenders again for a higher loan amount for a bigger stock purchase. Now that he’s established a successful business model, this is the beginning of his journey to more success with Azoom.

Can I Use Crispcap’s Fast Business Loan Lenders?

Crispcap’s panel of lenders work with businesses of all sizes and arrange funding to supercharge their growth. You can apply for a business loan in 30 seconds here without affecting your credit score.

At Crispcap, fast business loans have become our staple. That’s why we’re thrilled to have arranged a £50,000 loan for Sana International LTD in just a few hours.

The business owner, Zuber, has a convenience store based in the heart of Birmingham. He wanted an affordable and flexible business loan to get a higher return on investment on stock purchases.

We arranged a YouLend facility for Zuber which involves a unique system where a percentage of the turnover on his card machine is repaid to the lender. Read more about Sana International’s business growth below.

How Did Sana International Start?

Before building his convenience store, Zuber had ventured into many different avenues of business.

From 2010 he had a car wash business and worked as a car salesman as well. He told Crispcap that these experiences gave him the ‘hustle’ and ‘mindset’ to build another business from scratch.

Zuber had also saved considerable profits from the previous roles to reinvest in another company. He wanted to create something that had a stable and familiar presence in Birmingham. It needed to be a service that would become a community within the city.

Zuber opened Sana International, a convenience store that achieved his vision and became a symbol of his ‘hustling’ days in the years prior.

But, as any business owner knows, the hustle never stops. Zuber needed to find a sustainable way to keep the store open and thriving.

What Challenges Did He Face Before He Got a Business Loan?

Zuber had savings to support the cost of buying the commercial property and renovating it.

However, the day-to-day logistics of running a convenience store come with many overhead costs. Zuber decided that he wanted to strengthen the business’s cash flow so he could create a sustainable business plan. More than anything, it meant he could buy more stock.

He realised that if he could buy stock for the store and its butchers in bulk, he could benefit from lower costs from wholesalers. To his frustration, he could never profit from cost-effective offers on stock because he couldn’t afford the bulk price.

With speed being the priority, Zuber searched for fast business loans that could help him save more.

How Have Fast Business Loans Helped Him?

Crispcap arranged a £50,000 unsecured business loan for Zuber to repay over 12 months.

He was thrilled to get the loan term and amount he initially applied for.

His business was funded with a YouLend facility. This meant that Zuber received the full loan amount and then he will repay it through the store’s card machine. With every transaction, he pays a percentage as repayment to the lender. This works differently from the monthly repayments that most unsecured business loans require.

For Zuber, this was a perfect solution to his cash flow struggle. Utilising YouLend was a strategy that helped him secure the amount of funds he requested. This is because specialist lenders look at previous business transactions and lend what they believe the business can pay back. Zuber’s funding request was well within his business’s capacity to borrow.

Additionally, the transactional nature of his convenience store meant that the YouLend repayment plan was ideal. Zuber can receive the funds he needs for stock and then pay off the loan with every sale he makes.

It is a finance option that is convenient for the business owner and the lender.

What’s Next for Sana International?

Zuber will continue to buy stock at far lower prices, and he plans to reinvest the savings into more enhancements to the store.

The store has a butcher inside and he intends to put more focus on that revenue stream. Plus, the biggest savings on stock comes from bulk buying meat, which will allow for more produce at a lower cost.

We may hear from Zuber again for another business loan to grow his convenience store to even greater heights. For now, we wish him the best of luck with his thriving operation.

Am I Eligible For Fast Business Loans?

Crispcap are expert at arranging fast business loans for companies UK-wide, whatever their size.

You can check our eligibility criteria by filling in our 30-second form. The application process couldn’t be simpler, and it doesn’t affect your credit score.

The hospitality industry has been facing rising costs in the UK over the past few years. A hike in national insurance has increased employee wages, relief on hospitality business rates has been reduced from 75% to 40%, and food prices continue to inflate.

But all is certainly not lost for hospitality businesses across the UK. In fact, Crispcap has recently arranged a quick business loan for someone who wanted to finish a pub refurbishment.

He approached Crispcap through an introducer for business finance. He wanted to promptly finish a renovation that would transform his pub into a multistorey entertainment venue. The aim is to draw in wider demographics and more profits to hit back at rising hospitality costs.

Learn more about how a business loan has helped his vision become a reality.

How Did the Business Start?

The owner of the pub is somewhat of a hospitality veteran.

He’s been managing pubs since he was 18 years old and knows a thing or two about getting punters into a boozer to enjoy themselves. But even a hospitality hotshot like him needed to keep up with the rising cost of living.

He saw an opportunity to transform his pub into a centre of entertainment for people of all ages. He began renovating different levels of the pub but needed additional funds to complete the project.

What Were Their Challenges Before Getting a Quick Business Loan?

Many difficulties provoked the business owner to reinvent his high street pub with a quick business loan.

National Insurance Hikes

A minimum wage increase came into force last month which results in higher national insurance contributions for each employee.

Paying a team of bartenders and glass collectors to keep punters served is more expensive than ever. The owner needed a way to get more paying customers through the door.

RHLR Reduction

From April 2025 the Retail, Hospitality, and Leisure Relief (RHLR) has been reduced from 75% to 40%.

This means that the tax charged on non-domestic properties (like pubs) has significantly increased this year, and business owners need to find a way to bridge the new financial gap.

Food Inflation

Food service is a huge draw for getting people in pubs in the UK.

But, to pub landlords’ frustration, food inflation has hit an 11-month high as prices rose 2.6% last month. Pub dining is an increasingly expensive service to offer so it’s only worthwhile when it’s carried out at large volumes.

How Did a Quick Business Loan Help?

At Crispcap, we arranged a loan amount of £6,000 for the pub in a matter of hours. The business owner chose a loan term of 6 months as the venue should be trading again soon after the refurbishment.

He’s decided that the first floor will be a family area whilst the next floor down will be for corporate events. The floor beneath that will have a DJ on the weekends and a bar until late.

The quick business loan has allowed him to purchase raw materials rapidly and hire more tradespeople to finish the job.

Instead of waiting until economic inflation drains the company’s profits, the owner is promptly adapting his business to reach more people and improve its bottom line.

What’s Next For The Business?

With the funding now secured, the business owner is in the final stages of expanding the pub as he envisioned.

Its position in London Marylebone offers high footfall and the potential to attract even more demographics from the busy high street. With a fresh renovation, the venue is set to become a melting pot of ages and cultures that want to have fun.

The owner is even considering getting security on the door in anticipation of the increased crowds.

How Can You Get a Quick Business Loan?

You can apply for a business loan in 30 seconds here. The application process does not need a credit check, and we can fund businesses in as little as 4 hours. Get in touch to discuss our straightforward eligibility criteria and different types of business loans.

Short term business loans provide many ways to propel a business’s growth. But for a recruitment company we worked with recently, it helped them do what they do best – hire.

The business owner used the short term business loan to employ a new recruiter for his growing firm. His recruitment company, specialising in sourcing candidates across the technology sector, needed a new hire to support a 12-month contract they had just secured.

In seemingly never-ending news about AI threatening the labour market, it’s a welcome refresher to see technology driving more employment for a change. Read the company’s journey with a short term business loan from Crispcap below.

How Did the Recruitment Firm Start?

Unlike many small businesses that begin trading, finding new clients wasn’t an issue for this recruitment firm.

The owner had a solid nest egg of clients he could rely on for regular work. He knows the tech market and has proved his worth to multiple companies by providing them with successful hires in the past.

Now it was time to grow his team, and he knew better than anyone about the expenses of employing someone new. Job advertising, training, equipment, and software are all costs that quickly mount up when introducing a worker to the team.

What Challenges Did They Face Before Getting a Short Term Business Loan?

It became clear to the business owner that commercial finance would be needed to support the recruiting process.

Without a business loan, the company would have to use its cash reserves, which would put a strain on its their day-to-day operation. After all, preserving cash flow is essential to controlling the unexpected costs that can arise when running any business.

The demand for commercial finance is nothing new in today’s economy. In fact, in 2024 it was revealed that gross lending to small and medium-sized enterprises (SMEs) reached over £4 billion in the UK, marking an 8% increase from the year before.

Despite having a strong client base, the recruitment consultant also struggled with sourcing appropriate candidates for the roles he was trying to fill.

Finding promising applicants in today’s job market is a time-consuming process, particularly when trying to reach a niche like technology specialists. What’s more, the resources and platforms that recruiters use to search for candidates are often pricey subscription-based services.

How Has a Short Term Business Loan Helped Them?

After the business owner filled out a 30-second loan application with Crispcap, we started the quick process of getting the funding in place.

Within 4 hours the company owner had £30,000 sent to his business bank account. As intended, the funds were used to cover the costs of hiring a new employee to manage the increasing workload of the recruitment firm.

The loan was beneficial as its 12-month terms allowed for a lower overall amount of interest. Most importantly, the short term meant that Crispcap could arrange the funding at a rapid pace, allowing for a fast payout and a quicker hiring process for the business owner.

He is using the remaining funds to consolidate some debt that was created by business purchases. The 12-month term means it won’t be long before the entirety of the debt is fully paid off. He’ll be using commercial finance options like business loans for future expenses to avoid any financial risk.

What’s Next for the Recruitment Company?

Now that the company have received the funding they applied for, they can sustainably manage the big contract they’ve secured.

Deals like these are not out of the ordinary for the company. The business owner has said that much of their revenue is dependent on contracts that last 12 months. They provide a reliable and steady source of income.

He’s told Crispcap that he wants to grow his operation and his team in the future. He has said he’ll be in touch for another loan in the future to turn his vision into reality.

How Can You Get a Short Term Business Loan?

At Crispcap we can fund your business in as little as 4 hours, just like we did with this recruitment firm. Click here to get a free quote without affecting your credit score. Short term financing has proved to propel SMEs to new heights.