Business-purpose funding for established Australian SMEsPre-launch: register for funding updates and early access
SME Capital Partners
SME funding resources

Hospitality working-capital checklist

Hospitality businesses deal with frequent payroll, supplier and occupancy costs while revenue can be seasonal and event-driven. Multi-site groups also have to manage fit-outs, venue openings and uneven performance between locations.

Weekly trading picture

Prepare recent sales, wage costs, food and beverage costs and occupancy expenses. Weekly data can reveal trends that annual statements hide.

Supplier and payroll calendar

List major payment days and the cash balance required to trade safely through them.

Venue-by-venue performance

For multi-site operators, separate stronger and weaker locations. A consolidated result alone may not explain where cash is being generated or consumed.

Seasonality and events

Use comparable periods from prior years where available. Explain holidays, weather exposure, major events and seasonal peaks that materially affect sales.

Fit-out and expansion costs

For a new venue or refurbishment, separate the project budget from ongoing working capital. Include a realistic allowance for the ramp-up period after opening.

Sources and further reading

General information only. This material does not constitute legal, tax, credit or financial advice. SME Capital Partners is in pre-launch and is not currently offering or approving credit through this website.