Zempler Bank

Cutting hours isn’t a choice many operators want to make. But for many, it’s become unavoidable 📊📉 “70% of our members have taken trading hours and part days out of the shifts.” - Steve Alton, Chief Executive, British Institute of Innkeeping It’s a tough balancing act, and one many well‑run businesses are facing right now. Our report pulls together what this means in practice, plus the habits that help operators stay in control. 👉 Read our report, Feeling the heat. Link in comments. Source: Zempler Bank survey of 101 micro and small food and drink operators in England, March to April 2026, plus expert interviews. #Pubs #Hospitality #Cashflow #SmallBusiness

What does it really look like to run a food or drink business in 2026? 🍽️📊 Our latest research, featured in The Caterer, explores the pressure many independent operators are facing right now, from rising costs to difficult operational decisions. But it’s not just about the challenges. It’s about how businesses are adapting, evolving their models and finding ways to stay resilient in a tough environment. This is exactly why access to the right tools, support and financial visibility matters more than ever. 👉 Take a look at the full story in The Caterer: https://lnkd.in/ej5Mhfbg See more insights from our research into food and drink businesses: https://lnkd.in/eqHHtQX4 #Hospitality #SMEs #FoodAndDrink #BusinessBanking #Cashflow #ZemplerBank

We've spent time at Zempler Bank over recent weeks speaking with operators and business experts in the Food and Drink sector, seeking to better understand the many challenges they are facing. What came across was the incredible passion and commitment in the face of daunting headwinds, including national living wage increases, escalating costs of ingredients and energy the the impacts of business rates and VAT on cashflow. 👉 Link to full report in comments below. 🙌 Nowhere was this more visible than on Sunday in north London at the fantastic Trullo restaurant, where Head Chef Ed and the team were working in temperatures of 41 degrees to deliver amazing pasta dishes to their customers. 💯 Oh yes and for those of the "red" persuasion - they even went the extra mile by repainting the restaurant red to delight the local community! https://lnkd.in/evPq25Ey

A cashflow gap can hit even when your venue is busy. Here’s why🚦 Cashflow shortfalls aren’t one‑off blips. Our research shows 39% of food and drink businesses face a cash gap every quarter. Most gaps are manageable, but still disruptive: 75% are between £1,001 and £5,000 💷 If you can spot the pinch points early, you can plan around them and avoid last‑minute scrambles ✅ 👉 Read the full report, Feeling the heat. Link in the comments. Source: Zempler Bank survey of 101 micro and small food and drink operators in England, March–April 2026, plus expert interviews. #Cashflow #Hospitality #SmallBusinessUK #Finance

Feeling the squeeze in food and drink right now? You’re not imagining it ⚠️ When costs rise together, even well‑run businesses can feel the pressure fast. Understanding what’s driving it is the first step to staying in control 📊 👉 Read the full report, Feeling the heat. Link in comments. Source: Zempler Bank survey of 101 micro and small food and drink operators in England, March to April 2026, plus expert interviews. #Hospitality #HighStreet #Cashflow #UKBusiness

What a brilliant day at the Bread & Jam Startup Summit 2026 🙌 Yesterday we had the pleasure of exhibiting and connecting with so many passionate food and drink founders, all building exciting brands and pushing the industry forward 🚀 From conversations at our stand to Patrick Herrlinger’s spotlight session, one theme came through loud and clear. 👉 Cashflow remains one of the biggest challenges for growing FMCG businesses. It was great to share practical tips on forecasting, managing stock, planning for VAT, and simplifying the day-to-day with the right banking tools 💡 A big thank you to the Bread & Jam team for bringing together such an inspiring community and delivering a fantastic event 👏 #BreadAndJam #StartupSummit #FoodStartups #SmallBusiness #Startups #ZemplerBank

We’re live at the Bread & Jam Startup Summit 2026 today 🎉 Our team is on the ground meeting inspiring founders and supporting the brilliant food and drink start-up community. Don’t miss @Patrick Herrlinger’s spotlight session on cashflow tips for food start-ups today, packed with practical insights you can apply straight away. If you’re here, come and find us for a chat 👋 #BreadAndJam #StartupSummit #FoodStartups #FMCG #SmallBusiness #Networking #ZemplerBank

Feeling cashflow tight? You're not alone 😅  Our newly released research 'Feeling the heat' shows just how squeezed things are in food and drink right now. Only 1 in 3 small pub operators say they are profitable. We spoke to 101 food and beverage (F&B) operators and overall confidence about growth is mixed: • 24% feel confident 👍 • 55% are managing but concerned 🙋♂️ • 18% are questioning long-term viability 😥  👉 Read our new report Feeling the heat for exclusive data, real insights and practical tips to help tackle cashflow pressure in #hospitality. Link in comments. Source: Zempler Bank survey of 101 micro and small food and drink operators in England, March to April 2026, plus expert interviews. #SmallBusiness #Cashflow #FoodAndDrink #ZemplerBank

Calling all independent retailers 👋 We’re excited to be exhibiting at the The Fed - Federation of Independent Retailers trade event this week in Ilford 🎉 Bringing together retailers and industry partners, it’s a great opportunity to connect, share insights and explore ways to support your business growth 💡 If you’re attending, swing by and say hello to the team, we’d love to chat about how Zempler can help make your business banking simpler ✅ 📍 Ilford 📅 Thursday 21 May ⏰ 6pm–10pm See you there 👋 #NFRN #IndependentRetail #SmallBusiness #RetailCommunity #ZemplerBank

We’re excited to be heading to the Bread & Jam Startup Summit 2026 on 20 May in London🎉 We'll be there exhibiting and supporting the next generation of food and drink start-ups, a sector we’re passionate about helping to grow 🌱 Our own Patrick Herrlinger will also be taking to the stage for a spotlight session, sharing practical tips on managing cashflow for food start-ups 💡 If you’re a founder or scaling your FMCG brand, this is a fantastic opportunity to connect, learn and grow alongside industry experts and peers 🤝 We’d love to see you there. Be sure to come and say hello 👋 #StartupSummit #BreadAndJam #FoodStartups #FMCG #SmallBusiness #Startups #CashflowTips #ZemplerBank