Restaurants, hotels and licensed premises are among the sectors banks classify under a restrictive policy. That is not a judgement on your project: it is a number — the personal contribution expected rises to 30-40%, against 20-30% elsewhere — and that number can be worked on, with the right file.
Four obstacles come up on almost every hospitality file, and they are dealt with before the meeting, not during it.
The sector being classified under a restrictive policy pushes the threshold up to 30-40% of the requirement. Many founders do not count everything that counts — honour loan, love money, director’s loan account — and turn up with an understated contribution.
The price a seller asks is not a valuation. The funder wants a method — real turnover, profitability, location — not the amount two parties agreed between themselves.
Food safety, accessibility, fire safety: this work is often discovered after signature, never in the original funding plan. A budget that ignores it worries more than it reassures — the funder knows it is coming.
An annual average smooths the troughs and hides the real risk. The funder rebuilds the seasonality anyway — better to present it month by month, with the low point identified.
On a hospitality file, the reading is more severe than elsewhere. Four points are non-negotiable.
A hospitality file rarely rests on a single source. Combining them offsets the sector classification and lightens the personal contribution required.
Secured against the business goodwill and the equipment. It is the central piece, and the one that demands the most complete file in a high-risk sector.
Bpifrance, France Active and the regional funds can guarantee a larger share of the loan in sectors classified as restrictive, which lightens the personal guarantee asked for.
Negotiated on the rebuilt valuation, not on the price agreed with the seller — that is what determines how much of it can be funded.
Ovens, cold rooms, front-of-house equipment: funded over their useful life rather than paid for outright at opening.
Granted to the person, unsecured, it counts as quasi-equity and mechanically improves the contribution ratio required in the sector.
Negotiated before the first trough, with the monthly forecast in support — not during it, when the negotiating position has already turned.
Novaris is not a broker. This page describes the schemes that exist, it recommends no institution. The funding search, should you want one, is carried out by an intermediary registered with ORIAS, and Novaris receives no commission on the funds obtained.
Honour loan, love money, director’s loan account for the contribution; real turnover and profitability for the goodwill or the lease — not the price agreed with the seller.
Food safety, accessibility and fire safety built into the funding plan from the start; cash month by month, with the low point identified rather than an average that erases it.
The file in a bank version and a public-body version, built to answer in advance the severity of reading peculiar to the sector. And we stay until the money is released.
A restaurant, a bar or a hospitality business carried by a single entity calls for the complete file. See the packages in detail — or start with the Score, which is free and commits you to nothing.
Ten questions, no document to provide, no appointment. A score out of 100 that measures one thing above all: whether your project is feasible — what is blocking it, and what has to be put right before you present yourself.
Un consultant vous rappelle, sans attendre le résultat d’un test. Réponse sous 48 heures ouvrées, comme pour toute demande.
