RC Consultancy designs bespoke financial instruments and risk profiles that convert nightly, seasonal cashflow into something an operator can actually plan a business around.
RC Consultancy was founded in July 2024 to close a specific gap: short-term letting operators were managing genuinely volatile, seasonal income with financial tools built for steady monthly salaries.
The practice works with a small, consistent base of property operators, building risk profiles and financial instruments around the way their income actually behaves, not a generic template borrowed from conventional lending.
RC Consultancy brings a quantitative approach to a market that is usually advised on gut feel.
Converts variable nightly revenue into a structured monthly drawdown, so payroll, mortgage and supplier commitments stop depending on this week's occupancy.
Quantifies occupancy, seasonality and rate volatility into a single risk score, which is then used to price every other instrument on this list.
Sizes and times cash reserves against a property's actual low-season exposure, rather than an arbitrary rule of thumb borrowed from a different industry.
For operators running several properties, consolidates exposure across the whole portfolio into one coherent financial position, not four disconnected spreadsheets.
A review of occupancy history, rate calendar and existing obligations to establish the true shape of the income.
A risk profile is built from that data, quantifying seasonality and volatility rather than estimating it.
The right instrument, or combination, is designed and sized specifically to the profile produced above.
Instruments are revisited as occupancy patterns shift with the season, a new property, or a changing market.
I stopped bracing for the quiet months. The reserve structuring meant I already knew what January would look like before it arrived.
The risk profile was the first time anyone had put a number on how volatile my income actually was, rather than telling me to keep three months' expenses aside.
Payroll used to move with the calendar. Now it doesn't, and that alone changed how confidently I could plan a second property.
A short conversation is usually enough to tell whether an instrument would help. There's no cost or commitment to that first call.