Graft.
Now forming

The financial and intelligence infrastructure for Britain's craft & artisan sector

We finance craft and artisan producers on fair terms. And we are building the data layer that will service the whole independent economy.

No personal guarantee
No equity given up
Repayments flex with revenue
Capped total repayment (between 1.18–1.3x)
Craft will last
Free business resilience check
Enter your numbers. Get your seasonal cashflow chart and a suggested facility size — free, in about 3 minutes.
About your business
Monthly revenue — last 24 months

Approximate figures are fine. Round numbers work well.

Year 1 (oldest first)
Year 2 (most recent)
Margins and costs
Revenue minus direct production costs, divided by revenue
Rent, salaries, utilities — costs that don't vary with sales
Bank loans, bounce back loans, or other borrowing outstanding
What would you do with capital?

Be as specific or open as you like. This is the most useful thing you can tell us.

The mission
In an AI world, craft will last.

People want authenticity and real relationships. The businesses delivering it are viable but undercapitalised. Banks decline them or demand personal guarantees. Non-bank lenders approve them but at rates that punish every brewery and cheesemaker equally — regardless of how well run they are.

We offer flexible growth capital structured around your revenue, not your assets. No personal guarantee. No equity given up. Just fair terms from a partner who understands your business.

The data layer
Why this matters
The craft and artisan sector is data-dark

Industry data lives in the heads and spreadsheets of individual operators and nobody has ever aggregated it.

Owners miss out on know-how. Services to the sector are provided on unfavourable terms because it is difficult to profile risk. Insurers price blind. Lenders charge everyone for the uncertainty.

So we are building the data layer.

Consumer demand is growing. Growth requires finance. Financing friction is a data problem. We will solve both.

how it works
Graft product · 01
Finance
Revenue-based facilities for craft and artisan producers. Every facility deployed adds to a proprietary dataset nobody else can replicate.
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What it builds · 02
Proprietary data
Real cashflow patterns, seasonal benchmarks and sector intelligence — built from every client. Unavailable anywhere else.
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What it drives · 04
Growth and capital need
Better decisions drive investment and growth — creating new capital need that returns to Graft Finance.
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Graft product · 03
Intelligence products
Sector-specific benchmarking, AI co-pilots for operators, and risk scoring tools for lenders and insurers wanting to serve this sector fairly.
The financing business unlocks the data. The data removes the barriers that have held this sector back.
The roadmap
1
Finance first. Deploy capital to craft and artisan producers. Build the dataset. Prove the model.
2
Intelligence products. Benchmarking tools for operators and accountants. Risk scoring for lenders and insurers. AI co-pilots that know the sector.
3
The independent economy. Expand beyond craft and artisans to become the finance and data infrastructure behind the whole independent economy.
How it works
01
You apply
A short conversation about your business and what you'd do with capital. No lengthy forms.
02
We agree terms
A fixed revenue share — typically 5% — until a capped total is repaid. You know exactly what you'll pay back.
03
Capital arrives
Funds in your account quickly. No charges over assets. No personal guarantee. Nothing signed away.
04
You repay as you earn
Busy months you pay more. Quiet months, less. The repayment breathes with your business.
Who we back
Independent breweries and distilleries with established routes to market
Farmhouse and artisan food producers with loyal wholesale and direct customers
Cider makers, vineyards, and orchard businesses with seasonal capital needs
Heritage craft and textile businesses with protected or specialist product lines
Farm shops, delis and rural hospitality businesses embedded in their communities
Any craft or artisan business whose track record, not its age, is its best credential
Our promise
No equity given up — full ownership of everything you've built
No personal guarantee — your home and personal assets stay entirely off the table
A capped repayment — you always know the maximum you will ever pay back
Genuine partnership — we only do well when you do well
Get in touch
Whether you are a craft business owner looking for capital, an investor who wants to back the mission, or a potential partner — we would love to hear from you.
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