Zempler Bank

29/05/2026

Cashflow feeling tight? Many food and drink businesses are choosing not to tackle it alone 🤝

This isn’t a sign of weakness. It’s a smart response to pressure.

Asking questions, getting advice and using better tools can make cashflow easier to manage and reduce surprises.

Our report, Feeling the heat, shares exclusive insights on what operators are doing to rise to the challenge, and what is helping them navigate cashflow pressure.

Source: Zempler Bank survey of 101 micro and small food and drink operators in England, March to April 2026, plus expert interviews.

28/05/2026

Running a food or drink business has never been easy, but right now many are feeling the heat more than ever 🍽️⚠️

Our latest research with independent F&B operators highlights the realities behind rising costs, changing customer habits and the tough decisions businesses are having to make to keep going.

It’s also a story of resilience, with many adapting, evolving and finding new ways to stay afloat.

👉 Take a look at the full story in The Caterer:

https://www.thecaterer.com/news/three-quarters-of-small-fb-operators-have-put-up-prices-amid-surging-costs

We’re proud to support the cafés, restaurants and pubs at the heart of our communities ❤️

See more insights from our research into food and drink businesses:
https://www.zemplerbank.com/business/hospitality-bank-account/insights/

Original research, reports and articles on the UK hospitality industry in 2026, plus practical guides on independent restaurants, cafes pubs and food trucks.

26/05/2026

Yes, things are tough. But food and drink businesses are far from standing still 💪

Across the businesses we spoke to, many are finding ways to adapt, reduce surprises, and stay in control of their cashflow.

Our report, Feeling the heat, shares what is changing on the ground and what is helping operators adapt.

Source: Zempler Bank survey of 101 micro and small food and drink operators in England, March to April 2026, plus expert interviews.

22/05/2026

Cashflow gaps can catch even good food and drink businesses out 🍺⚠️

39% of operators face a shortfall every quarter, usually between £1,001 and £5,000.

The problem isn’t ambition. It’s timing.

Read the full picture in our new 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.

21/05/2026

What a great day at the Bread & Jam Startup Summit 🙌

We loved meeting so many inspiring food and drink founders yesterday and hearing all about the amazing brands you’re building 🚀

It was brilliant to chat about ways to manage cashflow, from forecasting and stock management to planning for VAT, and how the right tools can make things a little easier 💡

A big shoutout to our very own Patrick Herrlinger for sharing his cashflow tips on stage 👏

And thank you to everyone who came over to say hello. It was great to meet you!

Thanks again to Bread & Jam for putting on such a fantastic event. We’re already looking forward to the next one 🙌

20/05/2026

We’re at the The Bread & Jam Festival Startup Summit today 🙌

It’s great to be surrounded by so many inspiring food and drink businesses and founders.
If you’re here, swing by and say hi 👋

And don’t forget, Patrick Herrlinger is sharing top cashflow tips for food start-ups today.

19/05/2026

Running a café, pub or restaurant feeling harder than it used to? You’re not alone 🍽️

Our new report, Feeling the heat, explains what’s driving the strain and shares practical ways to reduce surprises and stay in control of cashflow.

👉 To read the full report, click on the link in the comments.

Source: Zempler Bank survey of 101 micro and small food and drink operators in England, March to April 2026, plus expert interviews.

18/05/2026

We’re exhibiting at the Fed trade event this Thursday in Ilford 👋

If you’re a retailer attending, come and say hi to the team and find out how we can support your business 💡

📅 21 May | ⏰ 6–10pm

15/05/2026

We’re excited to be attending the The Bread & Jam Festival Startup Summit 2026 on 20 May in London! 🎉

We’ll be there supporting food and drink start-ups and sharing expert advice to help businesses grow and thrive.

💡 Don’t miss our very own Patrick Herrlinger’s session on cashflow tips for food start-ups
If you’re building a food or drink brand, this is a brilliant chance to learn, connect and get inspired.

Come and say hello if you’re attending 👋

13/05/2026

We’re excited to be attending the FSB Business Bootcamp in Manchester this week🎉

Focused on“The Sales Engine & The Marketing Machine”, this event is packed with practical insights to help small businesses grow, scale and succeed 🚀

From refining your sales strategy and perfecting your pitch, to making the most of LinkedIn and AI in your marketing, it’s a brilliant opportunity to learn from industry experts and connect with fellow business owners 🤝

We’re proud to be part of conversations that help entrepreneurs build stronger, more sustainable businesses 💙

If you’re attending, come and say hello 👋 We’d love to connect.