“Can a traditional hospitality SME sustain competitive expansion by accessing embedded finance capital through its existing payments provider rather than pursuing traditional bank lending?”
Henley's of Wivenhoe is a long-established, award-winning fish and chip shop in Essex with approximately 40 years of trading history. Faced with a challenging trading climate in which local competitors were cutting back, the business turned to embedded finance — specifically revenue-based funding accessed directly through their payments provider Worldpay in partnership with Liberis — to fund expansion. Four rounds of capital enabled the construction of a new outdoor pick-up station and drove a reported 20% uplift in turnover, demonstrating how a traditional hospitality SME can use embedded finance as a competitive growth tool.