About Us
Food and Finance
At Food and Finance, we specialise in providing flexible funding solutions tailored to the ambitions of start ups and growing UK businesses.
Led by Paul Harrhy, a seasoned finance expert with a plethora of experience in self employed mortgages, asset acquisition, business expansion, and insurance, we bring a strategic and personal approach to business lending.
Paul’s journey isn’t just rooted in finance he’s lived the entrepreneurial path firsthand. He played a pivotal role in helping his wife Fiona grow her food and catering business into a thriving seven-figure enterprise. His hands-on experience means he truly understands the challenges, growing pains, and triumphs that come with scaling a business.
We’re proud to be a specialist Food and Finance brokerage supported by a diverse panel of lenders, including UK challenger banks and digital-only platforms. Our mission is simple: to be the funding partner of choice for startups and SMEs across the UK.
With a long-standing track record of helping businesses grow organically, Paul’s mindset is grounded in understanding the unique needs of emerging enterprises. We offer a personal, flexible approach to tailoring funding solutions to unlock each client’s full potential and pave the way for long-term success.
Starting or scaling a business within the food industry, talk to us.
How We Can Help You...
Business & Personal Mortgages
Whether you’re employed, self-employed, or a company director, there are mortgage options to suit your circumstances.
- Employed applicants – Lenders typically assess affordability based on your salary, payslips, and employment history. This can make the process straightforward, with clear proof of income.
- Self-employed applicants – Instead of payslips, you’ll usually need to provide accounts, SA302s, or tax returns. Lenders look for consistency of income and the strength of your business over time.
- Company directors – Many directors take lower salaries and higher dividends. Lenders will often consider both, and some may also take retained profits into account when calculating affordability.
- Business mortgages – If you’re looking to purchase or refinance property through your company (e.g. commercial premises or investment property), lenders assess the financial strength of the business itself alongside your personal situation.
The right approach depends on your role, income structure, and whether the mortgage is for personal or business use.
Contact us to find out how we can help you.
Asset Finance & Business Protection
A flexible way for businesses to acquire essential equipment, vehicles, or machinery without paying the full cost upfront. Instead of buying assets outright, companies spread the cost over time, preserving cash flow and freeing up capital for other needs.
Raising Capital
We help businesses in the hospitality sector access funding to support growth, expansion, or day-to-day operations. Whether you’re looking to refurbish premises, invest in new equipment, or strengthen cashflow, tailored finance options are available. Business growth loans provide flexible capital designed to fuel expansion, helping you take advantage of new opportunities while managing costs effectively.
Finance Across the Board
We support businesses at every stage, whether you’re just starting out or scaling up for growth. From securing start-up funding to arranging tailored finance solutions for expansion, we cater to all your financial needs with expertise and flexibility.