You raise £5000 to pay for the training and upgrade. This would cost just £231 per week for 27 weeks. After this time the funding is completely repaid you could at this point train another member of staff or carry out some more upgrades. Because the repayments were linked to card sales your repayments varied in line with your income so in your quiet periods you could still afford the payments. This is just an example, funds can be used for any purpose. Including VAT, HMRC or other outstanding debts.