A great coffee shop runs on good equipment, fresh inventory and a welcoming space — all of which take capital before the morning rush pays off. Coffee shop loans fund the machine, the build-out and the beans, so you can open, grow, or refresh without draining your register.
What cafe owners fund
- Espresso equipment — machines, grinders, brewers and refrigeration.
- Build-out & remodel — open, expand, or refresh your space.
- Inventory — beans, dairy, syrups and pastries.
- Payroll & marketing — staff up and drive traffic.
- A second location — grow your cafe brand.
Funding options
Equipment financing for espresso machines with low or no money down. Merchant cash advances repaid from daily card sales — no minimum credit score. Working capital for inventory and payroll.
Typical guidelines
| Requirement | Typical minimum |
|---|---|
| Time in business | As little as 4 months (equipment: no minimum) |
| Monthly revenue | $10,000+ in deposits |
| Credit score | No minimum on many programs |
| Documents | 1-page application + 4 months bank statements |
Frequently asked questions
How do coffee shops get funding?
Equipment financing for espresso machines, working capital for inventory and payroll, and merchant cash advances from daily card sales.
Can I finance an espresso machine?
Yes — equipment financing covers machines and grinders with low or no down payment.
How fast is funding?
Working capital and cash advances can fund the same or next business day.