You want put one of your junior stylist on a colouring course but this is going to cost £2000 But you do not have the spare funds to pay for this training because you would also like to upgrade the salon. Although you know that once trained there would be an increase in income of at least £33 per day.

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.