Buying a Fish and Chip Shop

The weekly ritual

Chippy trade follows an almost clockwork weekly pattern — and Friday tells you most of what you need to know. Till rolls and EPOS data across a full year should show steady weekly takings with predictable peaks; that regularity is exactly what lenders fund.

The range is the heart of the deal

The frying range is the shop's single most valuable asset. Its age, condition, service history and extraction compliance should be independently assessed — a failing range is a £30,000 problem arriving the month after completion if you do not check.

Know the real costs

• —Fish, potato and oil costs against current market prices
• —Energy consumption — ranges are hungry
• —Delivery platform commissions against counter sales

Structuring the finance

Goodwill funded on a term loan sized to verified weekly profit, the range and refrigeration asset-financed, and stock settled at valuation. Freehold chip shops — often with living accommodation above — suit commercial mortgages that cut the monthly cost dramatically.

Fish and chip shops across the UK — from busy inner city sites to coastal locations — are consistently financeable acquisitions. The income is simple to verify and the business model is well understood by specialist lenders. Lenders consider deposits ranging from 5% to 30%, with funding available over five to ten years.

If you are ready to look at funding for a specific purchase, read more about Fish & Chip Shops acquisition finance and loans, including how lenders assess these deals and the areas we cover.