Can’t comment on the finance side of things but it’s my local bike shop and I use them for everything. Staff are very knowledgeable and all bike riders. The stock levels have always been accurate as far as I’m concerned. I’ve ordered items that were out of stock and got them within a week.
Bad points- new website is awful and they never seem to have enough staff on the shop floor, if their are a couple of people in looking at bikes it takes a while to get served.