At Hexa Finance, we specialise in practical financial solutions designed to support local businesses.
The Background
Baffle Haus is a motor-culture café built around community, good times, and equally good coffee, based in South Wales.
First opened in 2021 as Baffle Haus: The Cedars, near Abergavenny, the business transformed a strong online following into a real-world hub for riders, drivers, and locals.
Building on this momentum, Baffle Haus has since expanded with a second café in Bonvilston, Baffle Haus: Old Post, located within the redeveloped Old Post Inn on the A48.
The Requirements
As a young hospitality business, Baffle Haus had strong early momentum and a loyal following, but a short trading history and post-Covid cost pressures made alternative funding routes a more natural fit than traditional bank lending.
To support the launch of the new location, the business required funding for a comprehensive café fit-out, including furniture, fire and security alarms, and commercial kitchen and refrigeration equipment. The initial focus was on sourcing asset finance to fund these essential purchases while preserving working capital.
The Solution
Hexa Finance worked with Baffle Haus to deliver a range of tailored funding solutions that supported the successful launch of their second location.
Asset Finance: We worked closely with Baffle Haus to assess their funding priorities, before sourcing suitable asset finance options from the market. The facilities were structured across two lenders to achieve the right balance of terms, affordability, and lender appetite, supporting the café fit-out while preserving working capital and maintaining manageable monthly commitments.
Sale and Leaseback: Some equipment suppliers required payment upfront before commencing installation. To address this, we advised a sale and leaseback approach, allowing Baffle Haus to purchase the equipment outright before releasing capital back into the business through a structured facility.
Much of the equipment comprised soft assets with a lower resale value, requiring careful presentation of their quality and utility, alongside independent inspection. As the assets had already been purchased, the sale and leaseback structure added further complexity, which we managed end-to-end to ensure a clear and efficient process.
By coordinating both funding solutions alongside one another, we supported a timely opening without placing unnecessary pressure on cash flow.
The Feedback
Sam Daymond, Co-Founder of Baffle Haus, said:
“Working with Hexa Finance made opening our second café so much smoother. They really understood our business, guided us through a complex sale-and-leaseback process, and helped us access the funding we needed without unnecessary delays. Their support and expertise gave us confidence every step of the way.”
Gareth Burkitt, Credit Risk & Portfolio Manager at Hexa Finance, said
“At Hexa, our role is to ensure that complex finance solutions are structured safely for both our customers and funders. With Baffle Haus, we carefully assessed the assets and their value, coordinated the split funding approach, and made sure the transaction was both achievable and low-risk. It’s always rewarding to see a young business grow with the right financial support in place.”
Working with Hexa Finance gave Baffle Haus the flexibility to focus on growth, maintain healthy cash flow, and continue delivering the community-driven motor-culture experience that has made it a standout in South Wales.
Fancy a visit to Baffle Haus? You can find their website here.
Get in touch
If your business is looking for practical financial solutions, Hexa Finance is here to help. Get in touch with us here.