Home / Industries / Food & beverage
Daily sales, converted into working capital
Cash-flow records turn a busy kitchen into a borrower: VAT handled, licences current, and numbers a lender can underwrite for working capital.
The compliance pains
VAT exposure
Thresholds arrive faster than owners expect in food service — registration and monthly returns handled before penalties do.
Sector licences
Health, business and premises licences kept current alongside the books, on one calendar.
Cash leakage
Daily takings reconciled to bank and mobile money, so profit is measured — not guessed.
How the engagement works
Entry is the free health check (SL1/SL2); most kitchens land on a monthly retainer.
- Health check. Free 30-minute triage of books, TRA and licences — what to fix first and what it costs.
- Cleanup if needed. Back-filed returns and reconciled cash, fixed-fee 50/50.
- Retainer. Basic Compliance at TZS 250,000 a month or Full Financial Management at TZS 400,000 a month, payroll included in Tier B.
Figures above are the approved bands (Task 1.3, 2026-09-29) — the only prices we quote. Every engagement is quoted in writing before we start.
Questions owners ask
We take mostly cash and mobile money. Can you handle that?
Yes — daily takings reconciled to bank and mobile-money statements is core bookkeeping for this vertical.
When does VAT registration bite?
When turnover crosses the threshold — we watch it monthly so registration happens on time, never after a penalty.
Can a restaurant really get a working-capital loan?
With twelve months of clean cash-flow records, yes. That record is exactly what the retainer builds.
Do you handle staff payroll too?
Yes — Tier B at TZS 400,000 a month includes payroll, PAYE and NSSF schedules. See payroll.
Related
Book your free 30-minute health check
We review your TRA, NSSF and books and tell you what to fix first and what it costs. No obligation.