An exclusive, invite-only breakfast for business owners across Bristol.

Allica Bank's Boardroom Breakfast at Berwick Lodge

Event date and time

24 November 2026

08:00 - 10:30

Event address

Berwick Lodge, Berwick Drive, Bristol, BS10 7TD

Registration

To join the event, please register below.

Event details

Allica Bank is delighted to invite you to our Boardroom Breakfast Networking Event at Berwick Lodge in Bristol.

We started the Boardroom Breakfasts with a simple idea: running a business can be lonely, and few people really understand what it's like apart from other business owners.

Join Tom Hine, Allica's Relationship Manager for the South West, for a morning of networking, conversation and insight with established business owners from Bristol and the surrounding area.

It's a small, informal setting where you can build your network, talk through challenges and opportunities with peers, and step away from the day-to-day to hear what others are seeing, planning and prioritising.

The aim isn't to fill a room. It's to create the right room.

Why attend?

Meet other established business owners from Bristol and the surrounding area.
Grow your professional network in a relaxed, informal setting.
Hear what other business owners are seeing, planning and prioritising.
Join a carefully invited guest list, capped at 12.
Enjoy a cooked breakfast of your choice in Berwick Lodge's private lower restaurant.

Event schedule

8am - Arrival: Arrive, grab a tea or coffee and meet other guests.
8:30am - Breakfast and introductions: Enjoy the breakfast you chose when you signed up while getting to know the room.
9:15am - Open conversation: A relaxed discussion about what local business owners are seeing, planning and prioritising.
10:30am - Close: The event finishes.

Breakfast menu

Choose your breakfast when you reserve your place, and we'll have it ready for you on the morning.

Full English breakfast: free range egg, dry cured back bacon, tomato, sausage, mushroom, black pudding, hash brown
Vegetarian full English breakfast (V): free range egg, tomato, Moving Mountains sausage, mushroom, hash brown
Smoked salmon & scrambled eggs: smoked salmon, scrambled eggs, sourdough toast
Eggs Benedict: poached eggs, English muffin, dry cured back bacon, hollandaise sauce
Eggs Royale: poached eggs, smoked salmon, English muffin, hollandaise sauce
Pancakes: American style pancakes, dry cured back bacon & maple syrup
Porridge (V): with milk, honey & cinnamon
Boiled eggs (V): boiled free range eggs & soldiers

Cereals, pastries, yoghurt, fresh fruit, toast and jams, and berry compote (V) are included for everyone, along with unlimited tea, filter coffee and orange juice.

Breakfast dishes may contain gluten and dairy. Gluten-free and dairy-free versions are available, so just let us know in the form, along with any other allergies or dietary needs.

Places are limited to 12 guests, so reserve your place today.

Your host

Tom Hine - As a local Allica Bank relationship manager, Tom has been supporting established businesses in the South West for over 21 years.

Criteria	Description
Loan size	£150,000 to £15 million
Repayment type	5-year interest only 5-year partially amortising
Arrangement fee	2.0%
Debt service cover	Commercial: 130% Semi-commercial: 120% Repayment cover calculated at pay rate for fixed rate mortgages and pay rate plus 2% for variable rates.
Early repayment charges	5 year fixed: 5%, 4%, 3%, 2%, 1% (years 1–5) Variable: 3% for the first 5 years

Criteria	Description
Loan size	£150,000 to £10 million
Repayment type	30 year capital & interest 5-year interest-only available at the start of the loan term for loans up to 75% LTV
Arrangement fee	1.5%
Debt service cover	130% Calculated on the rate not including the current account discount Repayment cover calculated at pay rate for fixed rate mortgages and pay rate plus 2% for variable rates
Early repayment charges	5 year fixed: 5%, 4%, 3%, 2%, 1% (years 1–5) Variable: 3% for the first 5 years
Owner-occupied hotels	Loans over 80% of VP value must be fully amortising from day one Personal guarantee to be given for any amount in excess of 70% of VP value

Criteria	Description
Loan size	£200,000 to £15 million
Repayment type	5-year interest only
Arrangement fee	2.0%
Interest cover	130% standard, 145% higher rate taxpayer Gross rent used for residential/ MUFB applications if; evidence of 3 months' loan repayments in cash via bank statements and one UBO/director with Experian Consumer score of 881+ plus a supporting personal guarantee. Otherwise we will use net rent assumption of gross rent minus 10%. HMO properties will always be assessed using gross rent minus 25%
Early repayment charges	5%, 4%, 3%, 2%, 1% (years 1–5)

Criteria	Description
Loan size	£500,000 to £15 million £5 million maximum loan for first time buyers
Repayment type	Capital and interest Experienced operators: 30 years First time operators: 20 years
Arrangement fee	1.5%
Debt service cover	130% adjusted EBITDA for children’s nurseries and experienced care operators 150% adjusted EBITDA for care first-time buyers Repayment cover calculated at pay rate for fixed rate mortgages and pay rate plus 2% for variable rates
Minimum size	Care homes: 20 bedrooms Specialist care: 4 bedrooms, if one or two properties, and flexible if there are three or more properties Children's nurseries: 40 places
Early repayment charges	5 year fixed: 5%, 4%, 3%, 2%, 1% (years 1–5) Variable: 3% for the first 5 years
Specialist care operators	Children’s learning disability care Adult learning disability residential care Adult supported living Minimum of three years as a specialist care home owner-operator required

Criteria	Description
Loan size	£150,000 to £10 million
Maximum loan to value	75% for residential and semi-commercial properties, 70% for commercial
Term	Up to 24 months
Fees	Arrangement fee of 2%, deducted from advance
Borrowers	UK registered limited companies, LLPs, partnerships and sole traders
Security	First legal charge over freehold or long leasehold title(s)
Insurance	Title insurance and search indemnity applied where possible
Valuations	AVMs and desktop valuations available up to 70%
Interest	Retained or serviced

Criteria	Description
Borrowers	UK registered limited companies, LLPs, partnerships and sole traders
Cost plan	Cosmetic: Higher of 15% of OMV, or £50,000 per property. Light: Higher of 50% of OMV, or £75,000 per property. Medium: Higher of 100% of OMV, or £100,000 per property.
Monitoring	Cosmetic and Light refurbishment to be monitored by our asset manager. Medium Refurbishment to be monitored by our QS.
Valuations	Full RICS valuation
Interest	Rolled. Rates are fixed and charged daily in arrears
Refurbishment type	Cosmetic: Works to improve speed of letting and compliance with regulations. Examples include redecoration, EPC improver works, compliance with utility regulations, boiler upgrades, modernisation. Light: As with Cosmetic, but higher cost plan. Medium: Loft conversions, reconfigurations, single story extensions, commercial to residential schemes.

Criteria	Description
Borrowers	UK registered limited companies, LLPs, partnerships and sole traders
Cost plan	Cosmetic: Higher of 15% of OMV, or £50,000 per property. Light: Higher of 50% of OMV, or £75,000 per property. Medium: Higher of 100% of OMV, or £100,000 per property.
Monitoring	Cosmetic and Light refurbishment to be monitored by our asset manager. Medium Refurbishment to be monitored by our QS.
Valuations	Full RICS valuation
Interest	Rolled. Rates are fixed and charged daily in arrears
Refurbishment type	Cosmetic: Works to improve speed of letting and compliance with regulations. Examples include redecoration, EPC improver works, compliance with utility regulations, boiler upgrades, modernisation. Light: As with Cosmetic, but higher cost plan. Medium: Loft conversions, reconfigurations, single story extensions, commercial to residential schemes.