These are tough times in the restaurant business. While many new entrants bring excitement and innovation to the sector, and we should rightly celebrate their arrival, it’s hard to meet restaurateurs who claim to be having a reasonable time of it. Sales are depressed as the cost-of-living crisis bites. While we estimate that about half of our customers are largely unaffected by the crisis, the other half are suffering badly. Most of those on fixed incomes have seen the cost of their mortgages rise and, for a significant, number their monthly payment has doubled since 2021. This means that their…

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