Established B2B wholesaler of organic fruit and vegetables to the UK restaurant market with zero compromise on quality. | Afie

Afie has over a decade of experience with a commitment to sourcing top-quality, natural, and organic products from exclusive suppliers not found on the high street. They promise ethical practices and customer satisfaction. Affie's mission is to not compromise on the quality of fruits and vegetables and prioritise ethical sourcing but also guarantee a superior product for their clientele, setting them apart as a reliable and conscientious choice in the market.

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We're dedicated to sourcing the finest natural and organic products from exclusive suppliers you won't find on the high street. Our selection goes beyond the ordinary, reflecting our commitment to quality and transparency in everything we offer.

Afie Ltd is a wholesale business spearheaded by a seasoned industry veteran with over a decade of hands-on experience. Our core mission is clear: to offer comprehensive B2B solutions, ensuring that fried chicken shops and pizza takeaways have access to top-quality fruits and vegetables conveniently delivered to their doorsteps.

What sets us apart from the competition is our relentless commitment to efficiency and effectiveness. We've fine-tuned our processes to guarantee swift order processing and same-day delivery, all while maintaining competitive pricing. Our dedication to meeting our customers' needs doesn't stop there. We take immense pride in our ability to think creatively and provide out-of-the-box solutions. If a particular product isn't readily available, we leverage our network to source it at no extra cost to our customers. Moreover, we stand by our commitment to offering the best value, ensuring price matching on all our items.

Investing in our business isn't just about financial returns; it's about forging a reliable partnership grounded in trust, reliability, and shared success. Join us on this journey to revolutionize the wholesale industry and make a lasting impact in the market.

Credit Commentary:
The director Haseeb Raja is providing a personal guarantee, which means should the business fail and have insufficient assets within the business to repay the loan, we can look to the guarantor(s) to repay any shortfall on repayment. There have been no CCJs for the business or director. This is a credit policy exception due to the director not being a homeowner. Since, the company’s strong establishment is evidenced by a substantial TNW and EBIDTA, which are mitigating factors. The Equifax score and grade, on which we base our assessment of risk, are based on the March 2023 filed accounts. Over the last two years, the business has consistently achieved a stable turnover. The management accounts indicate an operating profit of £64,215 and a net equity of £152,473. The bank statements demonstrate reasonable affordability, and the accounts remain well in credit.

Inflation Risk:
The business advised that they have not been affected by higher input costs yet. As the majority of lending to the business is at a fixed rate, they will not be immediately affected by interest rate increases.

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