The current economic climate is making it hard for tourism businesses to break even, let alone find extra money to invest or make repayments on loans.
Mae’r hinsawdd economaidd bresennol yn ei gwneud hi’n anodd i fusnesau twristiaeth adennill costau, heb sôn am ddod o hyd i arian ychwanegol i fuddsoddi neu wneud ad-daliadau ar fenthyciadau.