Category Archives: Advice & Articles

The Definitive Guide on How to Market Your Hotel

You’ve set up an incredible hotel, with comfortable, stylish rooms, all the very latest amenities, and a great team.

But what use is having the best facilities, location, and customer service if no one knows you exist? That’s where marketing comes into play.

Building an effective marketing strategy for your hotel will help you to reach out to potential customers, maximise bookings and boost revenue.

Here’s our definitive guide to successfully marketing your hotel.

Get Online

Today, being online and present in the digital space is everything in the world of marketing. With at least 95 percent of consumers carrying out research online before the make any travel purchases, it’s vital that your hotel has a website if you want to effectively market it.

Your website is your shop front, and should be professional, credible, and show your hotel in the best possible light. Include plenty of high-quality images, video content, and details about the rooms and amenities.

It’s also well worth considering integrating an online booking system into your site to make it as seamless, quick and easy as possible for potential guests to arrange their stay.

Ensure You’re Easy to Find

Having a website isn’t enough. If you want to ensure your hotel is receiving as many enquiries as possible, it’s vital that your audience can successfully locate you online.

This means ensuring that your website is optimised for search engines (Google) – so, when guests search for hotels in your area, you come up as high as possible in the rankings.

Make The Most of TripAdvisor

While your website and social media platforms will allow you to tell everyone just how great your hotel is, TripAdvisor allows your guests to tell them – and that can be significantly more powerful.

Before booking a room at your hotel, most guests will check your reviews, so managing your online reputation is crucial.

TripAdvisor is the world’s largest travel review site, with approximately 390 million unique visitors each month. This presents a huge marketing opportunity for hotels.

So, make sure you set up your free TripAdvisor profile, populate it with as much useful information as possible, regularly check reviews and engage with your guests.

Respond to Reviews

Once you’ve started receiving reviews, it’s important to monitor them and respond accordingly.

It’s only natural that you’ll receive a less-than-perfect review from time to time, but the nature in which you respond to those reviews will make all the difference.

Make sure you respond to any negative reviews as quickly as possible and try to resolve or address the guest’s feedback or complaint in a useful manner.

Remarketing is Essential

Abandonment rates for booking hotels online are high, meaning plenty of potential guests will visit your site, start the booking process, and then get distracted and not complete the booking. This is where remarketing comes in.

A remarketing campaign will allow you to remind your guests about your hotel, provide them with extra incentives to book, and make completing the process as easy as possible.

Reward Customer Loyalty

Marketing isn’t just about targeting new customers – it’s just as important to reach out to existing customers and encourage them to revisit your hotel.

A customer loyalty scheme is an effective way to get your guests to return time and time again, by offering discounts and rewards to regular visitors.

Get in Touch

For more information about the hospitality business, and in particular hotel finance, please don’t hesitate to get in touch.

Is Short Term Finance Right For You?

Many businesses will find themselves in a position where they need to secure additional funds in order to cover expenses or take the next steps in growing their enterprise.

Of course, with finance, it’s important to carefully consider which type is right for you.

Here’s our guide to short term finance which will help to establish whether it’s right for you.

What is short term finance?

Short term finance is any borrowing that is paid back over a shorter period, typically in under one year.

What are the types of short term financing?

The main types of short term finance include:

Merchant cash advances

For companies receiving payments via credit or debit card, merchant cash advance usually relatively easy to secure and quick to fund.

Merchant cash advances are one of the most expensive types of short term finance, with the APR potentially reaching triple figures, depending on total sales each day.

The benefit of this short term funding method is that repayments are directly tied to sales, so if the business has a quiet month, the repayments will be lower in response.

Short term loans

Short term loans are typically less expensive than merchant cash advances. You’ll receive capital from your lender, which you’ll pay off with interest following an agreed schedule – just like a regular loan.

The key difference with a short term loan is that it is paid back over a much shorter period. A further benefit is that funding can usually be provided quickly (sometimes within 24 hours). However, there are also several disadvantages involved in this type of short term lending – you’ll be required to pay the loan back relatively quickly, make frequent payments, and the interest rate will usually be high.

Business line of credit

Business line of credit is one of the most affordable types of short term finance available.

Working in a similar way to a business credit card, if you qualify for a business line of credit, you’ll have access to a line of credit, from which you can pull working capital. You only have to pay back what you spend.

The benefits of business lines of credit is that they typically come with lower APRs than business credit cards, making them a great back up to have on hand ready to cover quieter spells or temporary cash flow issues. This short term finance method can be accessed in as little as one day.

Invoice financing

Invoice financing provides an advance payment for your business’ outstanding invoices.

This is a relatively quick and affordable form of short term finance, allowing with rates of around 3 percent plus 1 percent for each week the invoice remains unpaid. An advance can cover anywhere from 50 – 90 percent of an outstanding invoice. When the customer pays, you’ll receive the remaining amount minus the interest incurred.

What are the advantages and disadvantages of short term finance?

If you’re considering applying for short term finance, it’s important you’re aware of the pros and cons that come with this type of lending.

First, let’s take a look at the advantages of short term finance:

  • Access to quick capital when you need it most
  • Relatively easy to quality for, even with a low credit score or short business history
  • Shorter term means finance typically accumulates less interest

Of course, there are also disadvantages to consider:

  • Higher ARPs
  • Shorter payment terms, which can put strain on small business
  • Frequent payments
  • Arrangement fees and Exit fees may be applicable

Find out more

With extensive market knowledge, we’re experts when it comes to short term finance for businesses. To find out more about short term finance, the options available, and whether short term financing is right for you, please get in touch.

Holiday let cottage with a blooming flowerbed

How To Start A Holiday Let Business

Whether it’s a short break or a longer summer holiday, more and more of us are choosing to holiday in the UK.

As demand for holidays in the UK continues to grow, so do the opportunities available for those considering letting out a property to holiday makers.

If you’re thinking about starting a holiday let business, it can be an exciting yet daunting process. Here’s our guide:

Do Your Research

Before starting any business, it’s vital that you complete your research. So, the first step in setting up your holiday let business should always be to research the market, location and competition.

Points to consider in your research include:

  • Is the location popular?
  • Is there a demand for holiday lets in the area?
  • How much rental income could you earn?

Work Out Your Letting Rates

Your research will also help on pricing your letting rates. It’s important that you get your rates just right – too high and you risk your property sitting empty and too low and your profit margins will be down.

Conduct your research then set your letting rates accordingly. Once you’ve launched your business, you should also constantly review and adjust your letting rates to ensure that they are in line with market trends.

Prepare Your Property

If you want to attract guests and ensure they have an enjoyable stay, you need to make sure that your holiday let is well presented and kitted out with all the expected amenities.

The first thing your potential guests will see is the photos of your property, so décor should be stylish and appealing.

As well as looking the part, your property needs to comply with all relevant legislation and regulations.

Start Your Marketing

Once your property is prepared and your holiday let business is ready to go, you’ll need to start marketing your property so that guests can find you easily and book their stay.

Your business should be as visible as possible online and it’s also beneficial to have an online booking system to make reserving rooms as simple and straightforward as possible.

Find Out More

If you’re thinking of starting a holiday let business, it’s important that you have the necessary funding in place. To find out more or for a free, no-obligation quote, please get in touch.

Thinking of Selling your Hotel?

Thinking of Selling Your Hotel? Here’s How to Know it’s the Right Time

As an established hotel owner, you may perhaps have entertained the idea of selling your business. You may understand that timing plays a part in such decisions. But is now the best time? And how will you even know when that ‘best time’ actually comes around? It’s rarely an easy call to make, so here’s a few things you should consider.

Reasons for selling

Sometimes you may just have to accept the fact that you can’t really control your need to sell. Other aspects of life which cannot be put off may simply intervene. You, or your partner, may be suffering poor health, or you may have to face divorce or some other family crisis. Equally, you may be fast approaching retirement, or have been presented with some need to liquidate your assets which must take priority over your business responsibilities.

More often, as a hotelier, you may notice a relentless downward spiral in profitability. Whilst some owners catch the problem early and are able to take remedial measures, others may find things have gone far beyond any hope of retrieving the situation.

If your accommodation business is performing poorly with little hope of an upturn, then taking the decision to sell may be your best chance of selling at an acceptable price. In such unfortunate circumstances it may be best to salvage what you can rather than risk a further decline.

On the other hand, some hotel owners may recognise that their soundly performing business is presenting them with a golden opportunity to sell on their own terms. A business with a good track record will usually sell for a better price, and often sells far more quickly too. And this is especially so where the owner can show that profits are on a sustained upward trajectory.

Research the market

To determine your sale prospects, or even simply to optimise the outcome once you are nearly ready to commit, it will always pay to carefully research the market. Whilst that is likely to involve seeking professional opinions, it should also involve a thorough personal investigation. It’s only by immersing yourself in such detail that you can get a proper ‘feel’ for market conditions.

For instance: Are local sector trends a reflection of regional market conditions? Or are there local factors which are exerting a stronger influence? And considering the national picture: What do the long-term sale statistics say about the future prospects for the hotel industry? And what seems to be the optimum time of year for selling with a view to securing the best return on your investment?

The hotel industry is one that fluctuates and so you will need to keep a careful eye on what the future trends are. There are three main factors that will impact the value of your hotel: the profit that your business is making, what multiple of the profits the buyer is willing to pay and the condition of the business. Make sure that you are in a positive position with all three of these factors where possible if you want to make a good return on your investment.

Threats and opportunities

You may know some local owners are about to retire and close down, or be aware of plans for major leisure and tourist developments about to occur in your area. Indeed, such information may be just what you need to hear to give you an ideal chance to present your business as being rich in potential.

Or alternatively, you may have been advised that a national hotel chain has earmarked your town as a likely location for expansion, or perhaps you have lost some of your best staff who have proved well-nigh impossible to replace.

Whatever the scenario, if a hotel sale could be on the horizon, you must remain alert to how such developments could affect your prospects.

You should also identify whether there are areas where your business could expand in the future so that buyers can be promised the chance for expansion. Is there is the potential for more rooms to be added? Could a restaurant or spa be included as part of the business?

Assess what pre-sale preparation is required?

If you can afford to sell when you’re ready, you should also consider what pre-sale preparation will be necessary to get your business up to the mark in order to prepare for a listing. If you have a well-run hotel in good health with strong bookings, perhaps also supported by strong local patronage, you must also have the evidence to prove the worth of your business.

One extremely important element here is your business paperwork, which must be in excellent order. Any serious buyer will never take your word alone. They will wish to see historical evidence of your trading revenues, and much else besides.

Have clear documentation of the occupation rates and how this fluctuates during the year. You will also need to do an audit of the stock that will included at the time of handover of the hotel.

In addition to exemplary paperwork, your premises should be in good repair and decorated to a good standard throughout. But beyond maintenance, and just as important, you should ensure your hotel is equipped in a way which reflects the latest industry trends and emerging technologies.

This extends beyond micro-details such as contemporary coffee facilities in your rooms, and should certainly include an overhaul of your (hopefully) mobile-friendly hotel website as well as your booking systems and digital marketing strategy.

By Matthew Hernon is an Account Manager at Dynamis looking after Business Transfer Agents and Franchises across BusinessesForSale.com and FranchiseSales.com.

4 Tips for Appliance Safety in Your B&B

Beckie Hatton is a Product Manager at Home Appliance Care, so she understands exactly how important it is to have safe and efficient electrical appliances. Here, she offers her advice to B&B owners who want to follow the rules and keep guests safe.

All B&B owners have a legal responsibility to safeguard the public and their employees from harm (legislation.gov.uk). More specifically, you must make sure your electrical appliances are well-maintained and fit for purpose to prevent fires, gas leaks, electric shocks, and other disasters.

Small hospitality businesses that fail in their legal obligations can face serious consequences, from penalties and lawsuits to property damage and fatalities. So, it’s important to stay on top of maintaining the electrical appliances in your kitchen, guest rooms, and communal areas to keep your guests safe.

Below, I’ll be sharing some of my tips for making sure the appliances in your B&B are safe to use.

Which appliances to check

Any utensils and appliances that are battery operated or can be plugged into the mains must be well maintained and regularly reviewed. You should check them for signs or wear or damage at least once every month as part of your fire risk assessment (gov.uk), and they will have to be serviced or PAT tested every 6-12 months to be declared fit for use (pat.org.uk).

When you first think about which appliances in your B&B could be considered high-risk, most people rightly think of ovens, toasters and straighteners that are designed to heat up. But washing machines and tumble dryers account for more than a third of domestic fires, significantly more than cookers (11%), so it’s crucial that you keep on top of the maintenance of these appliances in particular (Which?).

Should I call an engineer?

You should contact an electrical engineer if you have any concerns about the internal wiring of your appliances rather than attempt to fix them yourself. Tampering with electrical systems can cause injuries or fatalities, and if you don’t have the right tools or knowledge you could put yourself and everyone else on the premises at risk.

Plus, tampering with your appliances usually voids their warranty and your insurance policy, so you’ll have to cover the cost of repairing and replacing any damaged machines. It’s safer and cheaper overall to let the professionals deal with it instead.

Common faults to watch out for

External issues like loose plugs, switches and outlets can often be amended by a quick screw retightening, and you can also replace any broken casings yourself using just basic tools and knowledge — but you must switch off and unplug everything first so there’s no electrical current.

If you notice your plugs, outlets and switches are getting warm, it could be a wiring issue that can cause a fire if not immediately fixed. In this case, these will need to be repaired or replaced as soon as possible and you should not attempt to use the appliance while you wait for the electrician.

Flickering lights or displays on your appliances, as well as your bulbs burning out too quickly, can be indicators that there is a loose connection somewhere inside the machine. If you notice any of these problems, you should stop using the appliance and call a professional immediately.

How to look after your appliances

Never skip your monthly fire risk assessments, annual services, or scheduled PAT tests. Fires and other electrical dangers don’t just happen as the result of faulty products — appliances that aren’t properly maintained pose a risk too. Failing to clean them properly, check them over regularly, and take care of small problems can lead to huge disasters, so you must have adequate maintenance strategies in place to tackle all these issues.

Encourage your kitchen staff to clean appliances at the beginning and end of each day to prevent build ups of food crumbs, grease and other debris — just be sure that they follow the manufacturer’s instructions for doing this safely. Cleaning in a way the manual suggests will also protect your appliances from corrosive damage which can lead to electrical issues, such as loose wiring. So, hang onto your user manuals and double check all their cleaning practices are compliant with the manufacturer’s suggestions.

These are just some of the ways you can make sure the appliances in your B&B are as safe as possible. By giving them a quick look over as often as you can and promptly reporting any issues to an electrician, your appliances can be safe for use and you can get on with managing your guesthouse.

When do you need a commercial mortgage?

One question we’re often asked is, ‘when do I need a commercial mortgage?’

The simple answer is that if you are looking for a commercial premises, either for an office, a shop or even a manufacturing unit or workshop, and you, like most people, can’t afford to buy premises outright, then a commercial mortgage is what you’ll need.

Aside from investing in a new property, you may want a commercial mortgage if you are looking to extend a premises or refurbish or update a property.

What is a commercial mortgage?

Funds borrowed against a commercial mortgage are protected with the bank having a registered interest in the property in the same way that your domestic mortgage would.

Why can’t I just borrow against my existing mortgage?

It’s essential that when you are borrowing for a business, you borrow against a commercial mortgage because borrowing against a standard domestic mortgage could mean you are risking your home and your business.

A commercial mortgage works differently to a standard mortgage. Decisions to approve a commercial mortgage will take into consideration your business plan, expected returns, and also the way in which the property will be used.

Commercial mortgages can be more generous than domestic mortgages, but you will need a decent deposit of 2030% or more.

That’s not all, you’ll also need to convince the lender that you know what you’re doing.

Ideally, you’ll have some proof of experience in the sector. You’ll need a good personal credit history and, if you already run a business, the lender will want to see your trading accounts to make sure you’re responsible with your cash.

They’ll also expect a comprehensive debt proposal. It’s not easy to secure a commercial mortgage but if you know what lenders are looking for, and have the information that they need available, you can substantially boost your chances of a positive response to your application.

You can also get specific sector mortgages too, such as hospitality mortgages, which are designed to support investors in that particular niche. Often their documentation and information requirements are slightly different, reflecting the nuances of that industry, but at Stewart Hindley, we have a team of specialists available to help you jump through the paperwork hoops and get the best chances at securing the right mortgage for you, whatever you need, whatever industry you are in.

To speak to our experts and find out more about how they can help you to find and secure the right commercial mortgage, or hospitality mortgage for your business, call us today on 01488 684834.

How to Improve Your Hotel

Hotels are at the forefront of the hospitality trade, so you’ll need to maintain a dynamic approach to improve, or even just retain, your market position.

And while that’s rarely an easy ask in a sector where running a hotel means long hours are so often the norm, there are still a number of things you can do to make your hotel more effective and efficient.

For your guests, that means increased amenities and enhancing their overall experience, and for you, that means increased profitability.

So, what might be done to introduce a welcome breath of fresh air to raise the profile of your business?

Consider expansion

You can approach this in a variety of ways. If you know there is a new market you could accommodate, then adding to your facilities will increase your bookings and revenues.

While there will be some additional costs, these are always less for an established business, and some elements (e.g. marketing) can remain more or less the same by changing rather than increasing your strategy.

If that kind of expansion won’t work for you, consider enhancing your current provision. This might mean refreshing and expanding your menus for example, or even ringing the changes by inviting in a pop-up restaurant.

Whatever you do, make sure your dining facilities go well beyond the practical and functional. Modern expectations now dictate that your visitors will usually be looking for a memorable experience to enrich their stay, not just a basic provision that you could simply have at home.

Whatever you plan to try, remember this is also your opportunity to move with the times and reflect the latest trends. That in turn will also impress your guests, which should always be your main focus.

Renovate your facilities 

If you do nothing more, then giving everything a fresh coat of paint will send a message to your guests that you want nothing but the best for them.

Your refurbishments could also stretch to include new mattresses or upgrading your bathrooms. There’s nothing better to improve your visitor’s experience than offering some extra comfort and luxury.

A modern and stylish bathroom with a sumptuous, spa-like feel could be just the thing to get your guests talking, recommending and then re-booking.

Listen to your customers 

You won’t need reminding how important cleanliness is, but it’s your guests who make the judgements.

So take note of all feedback – positive or negative – to gauge how well your facilities are working, and to address any shortcomings before they become a recurring issue affecting your bookings.

Social media is a well-established marketing tool in the hospitality sector, so make sure you are the first to know what your guests have to say about their stay at your hotel.

And likewise, if you can do anything to make your guests feel that your hotel gives them special attention and added value, that will also reflect in social media recommendations and increased business.

Social media also offers the chance to keep an eye on what your local rivals are doing to attract business. So, if you keep tabs on them, you’ll get to hear about new initiatives early, which will then give you time to respond as necessary!

Campaigns and events 

Your hotel is a great space for events, so use this to your full advantage.

In particular, it can be used to strengthen your links with the local community – an important consideration for most hoteliers dealing with a seasonal trade.

Advertise the fact that you are happy to host birthdays, weddings, christenings and everything in between. Consider customer-friendly discounted rates for large group bookings, and even develop your own entertainment and themed nights to help market your facilities to your local clientele, thus sending out the message that you are not there for the tourists alone.

Whatever your budget, there are always ways to develop and improve your hotel.

And the best way is usually to create an improvement plan. This will ensure that you are always looking forward, keeping your focus firmly on enhancing your visitors’ experience, and getting the best possible return on your investment.

 

By Jo Thornley, Head of Brand and Partnerships at Dynamis.

Joining in 2005 to co-ordinate PR and communications and produce editorial across all business brands. She earned her spurs managing the communications strategy and now creates and develops partnerships between BusinessesForSale.com, FranchiseSales.com and PropertySales.com and likeminded companies.

 

How Christmas can help you achieve year ‘round occupancy

Most B&B owners are dependent on hospitality finance or B&B finance to set up, grow or improve their business. The trouble is, hospitality finance needs to be repaid and to do that, B&B owners need to focus on ways to bring in new business all year around.

However, once the nights draw in and the temperatures drop, Brits tend to be much less interested in booking holidays or staycations, instead focused on hunkering down until Spring. However, there is one thing that can be used to draw Brits out of hiding and into your B&B or boutique hotel – Christmas.

Here are three Christmas activities that could help pull in bookings for your rooms.

Christmas Markets

People travel all around the UK to get a hit of that festive feeling, so, with a bit of planning B&B and boutique hotels in Bath, Birmingham, Belfast, Manchester, Glasgow, Exeter, Cirencester and Winchester can tap into a whole new potential market for those colder months.

Christmas Shopping

If your B&B or hotel is based around cities and larger towns, Christmas shopping can be a great appeal for tourists. And not having to drive home at the end of a long day shopping can enable guests to get the most of their day out and allow them to enjoy a glass of wine over lunch or dinner. For extra helpings of festive fun, you could even team up with a local florist or craftsman and offer wreath or gift making workshops.

Christmas lights

If your B&B isn’t in London, Birmingham or another city renowned for its festive lights you could still capitalize on the Christmas months. Castles and stately homes often have Christmas lights, trails or tours, or maybe even a Christmas market evening where they make the most of their homes and gardens. By finding out when these are, you’ll be able to make the most of yours too!

Stewart Hindley & Partners are hospitality finance specialists that can help you find the hospitality finance you need to build the business you’ve always wanted. For more information on how you could benefit from hospitality finance, or to find out how you could raise B&B finance for your business, contact Stewart Hindley & Partners on 01488 393049.

Hungry Jobs – Specialists in the Hospitality Sector

What can HungryJobs do for you?

HungryJobs is a UK based job board which specialises in the hospitality industry. With so many job boards and recruitment websites nowadays, it can be hard to know where to post jobs in order to fulfil your recruitment needs. HungryJobs stands out in a saturated market for the following reasons:

  1.  Low cost job adverts. With adverts costing just £20 they are extremely cost effective and also offer discounts when purchasing several adverts at once.
  2. Screening questions. You have the option to set several screening questions meaning you should only receive applications from candidates most suited to the role.
  1. CV builder. Candidates have the option to build their own CVs if they do not already have one. Employers will therefore receive a detailed overview of a candidate’s previous experience.
  1. Social media presence. HungryJobs is active on Facebook and Instagram and often share job adverts on these platforms meaning your advert reaches a larger audience.
  1. Translation of job adverts. HungryJobs is happy to arrange for the translation of job adverts where required and can be contacted directly about this via their website.

Finally, the design of the HungryJobs website stands out as a modern platform which will attract candidates to apply for your positions. Visit the website today at www.hungryjobs.com and see for yourself.

How About A B&B In Skipton Or The Yorkshire Dales?

Once again, the Yorkshire Dales confirms its enduring appeal, with Skipton being newly  crowned the most desirable area in the country by The Sunday Times’s 101 Best Places to Live in Britain.

The Sunday Times judges put it in top spot for its ideal combination of low crime rates, “top class” schools, great transport links, “buzzing” high street, pretty and reasonably priced property and beautiful surrounding countryside.

“Skipton is a worthy winner,” said Sunday Times home editor Helen Davies. “We love it for its big-hearted, buzzy life.”

Second in the list was Newnham, a district of Cambridge, with Monmouth, third and Falmouth, fourth.

Each place was selected for offering the best quality of life to the widest number of people and combining desirable features such as a positive community spirit, good local shops, services and attractive outdoor spaces.

Locals proud

According to local paper, The Craven Herald:

  • Skipton MP Julian Smith said he was over the moon: “The judges described all the attributes we know Skipton has, whether it is access to the Dales, quality of its schooling or its high street. I am a very proud local MP.”

“It’s in the heart of Yorkshire and it’s the gateway to the Yorkshire Dales. It’s strong on tradition and it has a really excellent education system.

  • Councillor Chris Harbron, leader of Skipton Town Council, said: “This is a fantastic result for the town and is all the more valuable in that it is an independent survey based on a combination of hard data and research.

“It’s no accident that Skipton performs so well. It is a combination of the hard work of so many organisations – councils, schools, police and emergency services, shops and businesses, community groups and their support networks – they all come together to make Skipton what it is. I’m very proud to work and live in the town. We should sing this from the rooftops.”

  • Leader of Craven District Council, Coun Chris Knowles Fitton, said: “This accolade will further boost the area as a great place to live, work and visit and we shall all continue to work hard to maintain and enhance the town’s growing reputation.”

Where is your b&b? 

Yorkshire has more Michelin-starred restaurants than anywhere else in the country (apart from London), beautiful and varied countryside and grand old cities, making it a great place to run a b&b or guesthouse.

If you are looking at starting a bed and breakfast, or building up an existing guesthouse business; wherever it is, we can help.  At Stewart Hindley and Partners, we understand the hospitality business through and through.

We are long-established specialists in securing bed and breakfast and guesthouse mortgages.  Our experienced team will be able to offer you friendly and informative advice to help you get the best rates and business support.

Browse our site for case histories and more information about the process involved in securing b&b finance or call us now to speak to our team of experts.