The espresso machine is dead and the whole shop is bleeding
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.
How the funding works — three steps
- 1. Apply online in about 10 minutes. No phone tag, no branch visit. You upload the last 3 months of business bank statements right in the application.
- 2. We check with a soft pull. Looking at your application does not ding your credit. We approve on the DEPOSITS in your account — the daily coffee, food, and catering revenue — not on your FICO. FICO 500+ is fine. No collateral needed for working capital.
- 3. You get the money and fix the machine. Approvals come back fast, and funds can hit your account in as little as 24 hours. You pay the tech, order the new machine, and get espresso flowing again.
$10K–$500K
Enough for a $900 gasket-and-valve service call or a full $28,000 dual-boiler replacement with new grinders.
Funded in as little as 24 hours
A down machine is an emergency. We move at the speed of the problem, not the speed of a bank.
Approved on deposits
Steady café sales matter more than your credit score. Soft pull to check — FICO 500+ works.
Restaurants & cafés only
We fund food and beverage businesses all day. We understand why an idle espresso machine is a five-alarm fire.
A real example
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.
Who qualifies
- Coffee shops, cafés, espresso bars, roasters with a retail counter, and restaurants with a serious coffee program
- Generally at least a few months of operating history with regular deposits
- FICO 500 and up — we're looking at cash flow, not perfection
- No collateral required for working-capital funding
Straight answers
Will applying hurt my credit?
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.
How fast can I actually get the money?
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.
My credit is rough right now. Can I still get funded?
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.
Can I use it to replace the machine, not just repair it?
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.
Do I need to put up collateral?
No collateral is required for working-capital funding. You're not risking your equipment or your building to fix a machine.
Is there a phone number I can call?
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.
Get the espresso flowing again
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.
Get Your Restaurant Funded in 24 Hours
Operating restaurants doing $20K+/month qualify for $25K – $1,000,000. Apply in 5 minutes.
Start Your Application →Get funded in 24 hours
Approved on your revenue, not just your credit. Start your 1-minute application.
Why restaurants choose Prime
We are not a generic small-business lender. Prime underwrites restaurants only — and we fund the way you actually operate.
Restaurant-only underwriting
Every concept — full-service, fast-casual, bars, cafés, food trucks, catering, multi-unit. We read restaurant P&Ls, not generic templates.
Funded in 24 hours
Decision in as little as 4 hours, money wired in 24–48. Cover payroll, a broken walk-in, or a second-location window — now.
Approved on your revenue
500+ FICO accepted. We underwrite on your bank deposits and sales, so steady revenue qualifies even after a bank says no.
Ready to get funded?
Built only for restaurants. Approved on your deposits, not just your score. Funded in as little as 24 hours.
- ✓ 500+ credit
- ✓ 6+ months open
- ✓ $25K+/mo revenue
See how much your restaurant qualifies for
$25K–$5M · funded in 24 hours · 500+ credit OK. A soft credit pull that will not affect your score.
START MY 1-MINUTE APPLICATION →No obligation · takes about a minute