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Case Study: Funding a Takeaway Business with Goodwill & Freehold
The Requirement
An experienced hospitality operator identified a well‑established takeaway business in a busy suburban location. The opportunity included both the trading business and the freehold property, offering long‑term security alongside immediate income.
The business had a strong local reputation, loyal customers, and consistent trading history — but the purchase included a significant goodwill element, which many lenders are reluctant to support.
Our Challenge
This was a complex acquisition involving:
- A trading takeaway business
- A substantial goodwill component
- An owner‑occupied freehold
The client needed a lender who understood hospitality, recognised the value of goodwill, and could move quickly. Their existing bank declined to fund the goodwill, creating a funding gap that threatened the deal.
Our Approach
We carried out a full review of the business’s performance, cashflow, and growth potential, alongside the client’s experience in the sector.
Rather than treating goodwill as a risk, we positioned it as a reflection of:
- Proven trading history
- Strong customer loyalty
- An established local brand
We then approached specialist lenders with a clear appetite for hospitality businesses and owner‑occupied freeholds, presenting a lender‑ready proposal that demonstrated both stability and upside.
Solution
We structured a tailored funding package that:
- Secured finance against the freehold
- Included funding for goodwill
- Preserved working capital
Outcome
The client completed the purchase on schedule and took over the business seamlessly. Shortly after completion:
- Trading performance improved
- Delivery channels were expanded
- Customer engagement increased
The freehold now provides long‑term stability and future refinancing options, while the lender has expressed interest in supporting further expansion.
“The Takeaway”
This case highlights our ability to:
- Secure funding where goodwill is a key part of the deal
- Structure finance across business and property acquisitions
- Work with lenders who understand hospitality
- Deliver fast, practical solutions that support long‑term growth
Contact
Simon Parkinson On 07775 671 680 or message here
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