Know what needs funding
Build one complete project budget before approaching lenders. Include the property, deposits, fit-out, equipment, opening stock, professional fees, recruitment, launch costs and working capital as well as franchise-specific charges.
A fragmented budget makes it difficult to know whether the project is actually fully funded.
Do not spend the contingency twice
Construction and opening projects change. Delays, extra works and timing differences can consume cash before the doors open.
Contingency should therefore remain visible in the model rather than being treated as available money for optional upgrades.
Model debt against realistic trading
Finance creates repayment obligations whether the first months outperform or underperform. Debt service should be tested against conservative sales and cash-flow assumptions rather than only the target case.
Applicants should obtain advice appropriate to their own financial position and lender terms.
Separate franchise guidance from lending advice
A franchisor can explain the commercial model and current project requirements, but the applicant remains responsible for evaluating borrowing and affordability.
Jungle Berry applicants should use current franchise documents and independent financial advice when building the funding plan.