When the espresso machine is down, most of your margin walks out the door. Get $10K–$500K to fix it or replace it fast — approved on your deposits, not your credit score.
The group head won't build pressure. The boiler threw a fault code. The pump is screaming and there's water under the machine. Whatever it is, the tech just told you it's $4,800 for the rebuild — or worse, the machine is done and a new two-group La Marzocco or Slayer is going to run you $18,000 to $30,000 by the time it's plumbed in.
Meanwhile you're handing out drip coffee and apologizing. Here's the math that keeps you up: a latte you sell for $5.50 costs you maybe 90 cents in milk and beans. A cup of drip is basically pennies of revenue. When the espresso side goes dark, you don't lose "some" sales — you lose the drinks that carry the entire shop. A slow week without espresso can wipe out a month of profit, and regulars who can't get their oat milk cortado start going to the place two blocks over. They don't always come back.
You don't have $18,000 sitting in the account for a machine you didn't plan to buy this week. That's what this is for.
Enough for a $900 gasket-and-valve service call or a full $28,000 dual-boiler replacement with new grinders.
A down machine is an emergency. We move at the speed of the problem, not the speed of a bank.
Steady café sales matter more than your credit score. Soft pull to check — FICO 500+ works.
We fund food and beverage businesses all day. We understand why an idle espresso machine is a five-alarm fire.
Say your PGH-style two-group machine dies mid-morning and the shop pulls in about $2,400 a day, with roughly 60% of that from espresso drinks. That's around $1,400 a day gone while you wait. The tech quotes $6,200 for a boiler and group rebuild; a clean used replacement to keep you running is $9,500. You apply for $12,000 to cover the fix, a loaner, and a cushion. Fund it fast, and you've stopped a $1,400-a-day leak for a fraction of one week's lost espresso revenue. The machine pays for itself before the invoice is even due.
No. Checking your options is a soft pull. It does not affect your score. You'll only see a hard inquiry if you accept an offer and move forward.
Here's the honest rule: if you apply and get your bank statements in before early afternoon Eastern on a weekday, and you sign same day, funding can land the same day. Apply Friday afternoon and it's realistically Monday. We don't promise magic — we tell you the real timeline.
Probably yes. We approve on the deposits flowing through your business account, not on your FICO. FICO 500+ is fine. If the sales are there, a bruised credit report usually isn't a dealbreaker.
Absolutely. Repair the current machine, buy a used backup, or fully replace it with a new dual-boiler setup and grinders — it's your working capital. You decide how to get espresso flowing again.
No collateral is required for working-capital funding. You're not risking your equipment or your building to fix a machine.
We keep it simple and online so you can start right now, day or night. The fastest path is the application — it takes about 10 minutes and gets you a real answer.
Every hour that machine sits dead is money off the top. Apply now, get a soft-pull decision without touching your credit, and you could have the repair or replacement funded in as little as 24 hours.
Continue Reading
Operating restaurants doing $20K+/month qualify for $25K – $1,000,000. Apply in 5 minutes.
Start Your ApplicationApproved on your revenue, not just your credit. Start your 1-minute application.
Apply NowWe 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.
Before you go
$25K–$5M · funded in 24 hours · 500+ credit OK. A soft credit pull that will not affect your score.
START MY 1-MINUTE APPLICATIONNo obligation · takes about a minute