Funding for coffee shops and cafés. Espresso machines, build-outs, multi-location growth, working capital. From $25,000 to $500,000.
Coffee shops occupy a unique position in the restaurant industry. Lower per-transaction revenue than full-service restaurants, but extremely high transaction volume (200-600+ daily transactions). Strong unit economics when properly managed. Capital intensity centered on equipment (espresso machines alone can cost $15K-$45K) and prime real estate (coffee shops live or die by location).
Prime Restaurant Capital funds coffee shops, espresso bars, multi-location café chains, and specialty coffee operations. Funding ranges from $25K (espresso machine upgrade) to $500K (multi-location expansion). Independent coffee shops, regional chains, and franchise operators all qualify.
The espresso machine is the centerpiece of any serious coffee shop. Quality commercial machines run $15K-$45K (La Marzocco, Slayer, Synesso, Victoria Arduino). High-volume operations need 2-3 group head machines plus auxiliary equipment. Equipment financing is the standard structure for this purchase.
Coffee shop build-outs run $80K-$300K depending on size, location, and design ambition. This includes the bar/counter (custom millwork is significant cost), espresso equipment, refrigeration, dishwashing, seating, and the design elements that differentiate one coffee shop from generic competitors. Specialty coffee shops often exceed $400K when including high-end equipment and design.
Successful coffee shops scale through multi-location growth. The economics work because labor costs are highly predictable, equipment requirements are standardized, and brand recognition compounds. Expansion capital funds locations 2, 3, and beyond — typically $150K-$300K per new location.
Premium coffee shops working with single-origin and direct-trade coffee carry more inventory than commodity coffee operations. Working capital funds inventory builds, particularly when establishing relationships with new roasters or expanding into wholesale.
Frequently Asked
Yes. La Marzocco, Slayer, Synesso, and other high-end commercial espresso machines are commonly financed over 36-60 months.
All coffee equipment is financable: cold brew systems, batch brewers, grinders, water filtration, refrigeration.
Yes. Coffee shops that serve food are often classified as restaurants for funding purposes, qualifying for our full restaurant funding programs.
Yes. Funding is based on actual revenue and cash flow, not premium positioning. Volume operations qualify equally.
$200K-$400K typically, depending on build-out scope and your existing location's revenue history.
Continue Reading
Operating restaurants doing $20K+/month qualify for $25K – $1,000,000. Apply in 5 minutes.
Approved on your revenue, not just your credit. Start your 1-minute application.
We are not a generic small-business lender. Prime underwrites restaurants only — and we fund the way you actually operate.
Every concept — full-service, fast-casual, bars, cafés, food trucks, catering, multi-unit. We read restaurant P&Ls, not generic templates.
Decision in as little as 4 hours, money wired in 24–48. Cover payroll, a broken walk-in, or a second-location window — now.
500+ FICO accepted. We underwrite on your bank deposits and sales, so steady revenue qualifies even after a bank says no.
Built only for restaurants. Approved on your deposits, not just your score. Funded in as little as 24 hours.