Capital

Fast, flexible funding for hospitality

Restocking. Rebuilding. Renovating. Whatever you dream of doing for your business, Nory can make it happen faster than you think.

Why borrow with Nory Capital?

• 85% acceptance rate
• £1k-£2m loans secured
• 24hr approvals

It’s grow-time!

Fast

Get approved in just 24 hours, with an 85% acceptance rate, so you can take advantage of opportunities the moment you find them.

Flexible

Choose fixed monthly payments or a percentage of your daily sales, so that you only pay back what you can comfortably afford.

Easy

It only takes five minutes to apply online using our intuitive online portal, powered by YouLend.

How can Nory Capital work for you?

Just clear, flexible finance terms, tailored to the needs of your business. This is funding that works with you.

Success stories

Scaling operations across 130 sites: Black Sheep Coffee's approach to prime cost

• Forecasting accuracy: 98%
• Labour cost variance of sales: <1%

How Tasty African Food controls margins across all locations, and a CPU powering retail and D2C

• Forecast accuracy: 98.5%
• Reduction in food waste: 75%

Hampshire Pub Co builds the infrastructure to scale with Nory

• Reduced labour admin time: ~50%
• Payroll admin time per month (~2 days previously): < 1 hour

Pieminister builds financial clarity and operational confidence with Nory

• Waste reduced up to: 60%
• Reporting & month-end time reduced up to: 50%

Inside Digbeth Dining Club’s system for 0.38% labour accuracy and consistently strong GP

• Variance between planned and actual labour cost: 0.38%
• Labour cost (depending on venue model): 15–22%

Roasting Plant cuts payroll from two days to one hour with Payroll in Nory

• Payroll processing time: 2 days → 1 hour

Passyunk Avenue - 26% reduction in cost of labour across locations

• Employees: 95
• Cost of labour: -26%

Roasting Plant Coffee cuts labour costs by 18% in two months with Nory

• Cost of Labour: -18%
• Sales forecast accuracy: 98%

How CUPP reduces food waste by 60% with Nory

• Reduction in food waste: 60%
• Sales forecast accuracy: 99%

How Badiani maintains artisanal quality at scale with Nory

• Sales forecast accuracy: 96%
• Reduction in operating costs: 3%

Making big change with little disruption at Tasty African Food

• Reduction in food waste: 75%
• Sales forecast accuracy: 98.5%

How Hook & Ladder reduces food waste and boosts margins with Nory

• Improvement in GP: 4%
• Adoption across all sites: 100%

Frequently asked questions

How long does it take to get approved for funding through Nory Capital?

Most applications receive a decision within 24 hours, with some even getting instant offers. Once you accept an offer, funds will be in your account within 1-5 business days.

What can I use Nory Capital funding for?

Nory Capital provides holistic funding solutions for your restaurant. In addition to typical capital investments like refits and new locations, you can secure financing for new equipment, day-to-day expenses, and other areas that will drive your restaurant’s growth.

How much funding can I get through Nory Capital?

Nory Capital offers loans of up to £1.3 million (£2 million exposure) to restaurant businesses. The amount you qualify for will depend on your restaurant’s specific needs and financial situation.

What are the interest rates for Nory Capital loans?

Nory Capital offers competitive interest rates starting as low as 5%. The exact rate for your loan will be determined based on your application and credit profile.

Is Nory Capital suitable for businesses of all sizes?

Yes! Whether you’re a small-medium sized restaurant looking to refit your existing location or a mid-market enterprise with plans to franchise, Nory Capital has financing solutions tailored to your needs. We work with restaurants of all shapes and sizes to provide the funding they need to succeed.

How long are the payment terms?

That’s up to you. You can decide how long your payment term is and how much you want to pay each month. Repayment is usually taken as a small percentage of your daily card sales, adjusted according to your cash flow without any extra fee or charge. On days without sales, you will not repay anything. However, you can always make a one-off payment, free of charge, if you would like to.

Who does Nory work with in order to provide funding?

Nory Capital is powered by YouLend, an established global embedded financing platform for many of the world’s top companies such as Amazon, Mollie and Just Eat Takeaway.com. To date, YouLend has extended financing more than 150,000 times across the UK, Europe, and the US.

Want better margins?

Ask us how we can protect your profits and help you grow.