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Case studies

Hospitality financing in action: 3 case studies you need to hear about

Here's how Valiant helped a catering business, a bakery, and a café access the funds they needed to expand, upgrade, and thrive.
by
Carolina Mateus
3
min read
Published:
August 28, 2025
Last updated:
November 5, 2025
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Key Takeaways:

Running a hospitality business comes with its own set of challenges—whether it’s keeping up with rising demand, upgrading equipment, or expanding your service area. 

Smart financing can make all the difference, helping you grow without slowing down day-to-day operations. 

In these three real-world examples, we show how Valiant helped a catering business, a bakery, and a café access the funds they needed to expand, upgrade, and thrive. 

$135K equipment loan for a catering business

A catering business needed two new delivery vans to expand services for corporate clients across multiple city locations. They’d been operating for 8 years, already ran a fleet of 3 vehicles, maintained consistent corporate contracts, had a clean credit history, and were on a clear growth trajectory.

How we helped

Valiant set up a chattel mortgage with a low-doc application, letting the business claim GST and depreciation benefits while keeping working capital free for daily operations. Their strong serviceability also meant we could secure competitive rates.

A $135K equipment loan let the catering business grow its service area and take on more corporate clients.

The chattel mortgage gave them GST and depreciation benefits while preserving cash flow for day-to-day running.

$85 working capital loan for a bakery

A local, family-owned bakery with 5 full-time staff had seen steady revenue growth over the past 3 years and had no outstanding loans.

With wholesale demand rising, they wanted to expand production and invest in new commercial ovens—fast.

How we helped

Leveraging the bakery’s strong weekly revenue and clean credit history, Valiant secured a working capital loan that let them buy and install the ovens immediately without slowing down daily operations.

A 3-year, $85K loan allowed the bakery to boost production capacity while driving higher sales and strong revenue growth.

$80K equipment loan for a café

A family-owned café with a 7-year history in a busy urban area wanted to upgrade its kitchen equipment and expand seating to welcome more patrons and improve service efficiency.

With a strong customer base, consistent revenue growth, and no significant existing debt, they were ready to take the next step.

How we helped

Valiant provided equipment financing to cover the cost of new kitchen appliances and furniture.

The loan was structured around the café’s steady daily cash flow and its strong reputation in the local community.

The $80K financing let the café purchase modern kitchen equipment and expand its seating, speeding up service and boosting customer satisfaction. The upgrades translated into higher daily sales and stronger overall profitability.

Finance your hospitality business with Valiant

Whether you run a café, bakery, hotel, or pub, our platform compares loans from over 90 lenders to connect you with ones that work with your unique needs. 

We know you’re juggling enough already, so we take care of funding, fast. We manage the paperwork, handle the application, and help get your loan sorted, so you can focus on what truly matters: serving your customers and growing your business.

Get started today and see how simple financing can be.

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The content in this blog is provided for general information purposes only. It doesn't constitute financial advice and shouldn't be relied upon as such. Always consult a licensed financial advisor, accountant, or legal professional to consider your personal circumstances before making financial decisions.

References:

About the author
Carolina Mateus is an SEO Content Specialist at Valiant Finance, creating content that helps SMEs navigate business finance with confidence. She develops clear, actionable guides to simplify complex topics and support smarter funding decisions.
Ryan Ragland is VP of Enterprise Solutions at Valiant Finance, partnering with OEMs, resellers, and lenders to embed finance directly into their sales workflows. He designs scalable solutions that speed up deal cycles, improve customer experience, and unlock new revenue opportunities for partners.
Richie Cotton is Co-Founder and CTO at Valiant Finance, driving the company’s technology strategy and product innovation. He oversees the development of Valiant’s embedded finance platform and scalable solutions that make accessing business funding faster, simpler, and more reliable for SMEs.
Alex Molloy is CEO and Co-Founder of Valiant Finance, leading the company’s mission to make business finance more accessible and efficient. Since founding Valiant, he’s guided its growth from an Australian startup to a global fintech powering embedded finance for major institutions and platforms.
Henry Baker is Head of Working Capital at Valiant Finance, leading the company’s working capital solutions. He helps SMEs unlock funding to smooth daily operations and support strategic growth without additional financial burden.
Luke Saleh is Head of Asset Finance at Valiant Finance, leading the company’s vehicle and equipment lending solutions. He helps SMEs access loans that match their goals, enabling them to scale efficiently and invest in essential assets.
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James Pattison is National Business Development Manager at Valiant Finance, enabling brokers and accountants to diversify into asset finance and working capital funding, backed by 20 years in finance.
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