Funding for Coffee Shops and Cafes

You know the numbers move fast in this business

A two-group espresso machine goes down mid-morning rush and you're watching tickets pile up with no way to pull a shot. Or your lease is up on the spot next door — the one with the foot traffic you've wanted for two years — and the landlord needs a deposit this week. Or you've been roasting in-house on a countertop drum and you're finally ready for a real 5-kilo roaster, but the quote just landed at $18,000 and your savings are already committed to spring inventory.

Coffee is a thin-margin, high-volume game. Your revenue is real and steady, but it comes in $6 at a time, and a bank underwriter looking at your personal FICO doesn't see the 400 tickets a day going through your POS. We do. We approve coffee shops and cafes on the deposits landing in your business bank account — not a credit score that has nothing to do with how your shop actually runs.

How it works

• Apply online (a few minutes). Tell us about your shop and what you need the money for. Soft pull only to check — it will not lower your score.
• Send 3 months of business bank statements. That's the real underwriting. We're reading your daily deposits, not judging your personal credit history.
• Review the offer and sign. You see the amount, the cost, and the payment schedule up front. Get statements in and the signed agreement back before early afternoon ET on a weekday and funding can hit the same day. Friday afternoon means Monday.

Real numbers and who qualifies

A cafe doing about $60,000 a month in card and cash deposits comes to us because the second-group head on their La Marzocco is failing and they want to open a small kiosk in the office building two blocks over. We approve $45,000. The espresso machine gets fully rebuilt within the week, and the rest covers the kiosk build-out, a used batch brewer, and two new baristas through the ramp-up. Their deposits carried the approval — the owner's 540 FICO never came into it.

Growth funding runs from $25,000 to $5M for the bigger moves: a full second-location build-out, a commercial roaster and green-bean inventory, a cold-brew and canning line, patio seating. Emergency working capital runs from $10,000 to $500,000 for the things that can't wait — a blown espresso machine, an HVAC failure over a summer heat wave, payroll during a slow stretch, an equipment deposit with a deadline.

You're a good fit if:

• You've been open and running for at least a few months with steady deposits.
• You do most of your sales through a POS or card processor that shows in your bank statements.
• You need $10,000 to $5M for something concrete — equipment, build-out, staffing, inventory, or expansion.
• Your FICO is 500 or higher (500 is fine — deposits do the heavy lifting).

Straight answers

Can I get funded if my credit is bad?

Yes. We approve on your business deposits, not your credit score. FICO 500+ works. Checking is a soft pull, so it won't cost you any points.

How fast can I actually get the money?

As little as 24 hours. The honest rule: if your statements are in and you sign before early afternoon ET on a weekday, funding can land the same day. If you sign Friday afternoon, expect Monday.

Do I need to put up my espresso machine or equipment as collateral?

No collateral is required for working capital. The funding is based on your revenue, not a lien on your gear.

What can I use the money for?

Anything the shop needs — espresso and brewing equipment, a build-out or remodel, a roaster and green coffee inventory, staffing, a second location, marketing, or covering a slow season. It's your call.

I already have an advance. Can you help?

We're honest about this: we don't pay off existing merchant cash advances. If you have an open balance, apply and we'll tell you straight whether we can work with your current situation.

How much can I qualify for?

Emergency working capital runs $10,000 to $500,000; growth funding runs $25,000 to $5M. Your deposit volume sets the ceiling — steadier, higher deposits mean a bigger approval.

Ready when the rush is

Whether it's a dead espresso machine you need running by tomorrow or a second location you've been circling for a year, the fastest way to know your number is to apply. A few minutes, a soft pull that won't touch your credit, and a real answer based on the deposits you're already making.