Good fit
How we can help
Cafés and coffee shops with about $17,000+ in monthly sales can apply for equipment, remodels, and working capital, with approval the same day once your bank statements are in.
Check if my restaurant qualifies →Key takeaways
- Espresso machines, grinders, and bakery ovens are well suited to equipment financing.
- Fast-funding programs typically need about $17,000+ in monthly sales, so smaller cafés may fit SBA microloans or equipment-only financing better.
- A second location is usually funded with SBA or a term loan based on the first café's performance.
Market overview
- Common uses
- Espresso machines, grinders, ovens, build-out, second location
- Options
- Equipment financing, term loans, SBA 7(a), lines of credit
- Watch for
- Minimum sales requirements for fast funding
Typical market ranges, not offers.
What cafés finance
| Need | Good fit |
|---|---|
| Espresso machine, grinders, brewers | Equipment financing or lease |
| Bakery ovens, mixers, display cases | Equipment financing |
| Build-out for a new café | SBA 7(a) or startup financing |
| Slow-season cash flow | Line of credit |
| Second location or roastery | SBA 7(a) or term loan |
Café-specific considerations
- Small tickets, high volume: lenders look at daily transaction counts and consistency, not just total revenue
- Morning-heavy sales: adding lunch, catering, or wholesale accounts strengthens your story
- Equipment leases: some coffee roasters offer equipment programs tied to buying their beans. Compare the true cost
- Smaller loan sizes: if you need less than about $50,000, SBA microloans through nonprofit intermediaries are worth a look
Frequently asked questions
Can I get a business loan for a coffee shop?
Yes. Coffee shops commonly use equipment financing for espresso machines and SBA or term loans for build-outs and new locations. Fast-funding programs usually require steady monthly sales.
Should I lease or finance an espresso machine?
Financing makes sense if you'll keep the machine for years. Leasing or a roaster's equipment program can work if you want lower upfront cost, but compare the total cost.
Sources
We cite primary sources: federal agencies, regulations, and official program rules. Rules vary by state and change over time.
General education, not legal, tax, or financial advice. Loan programs, licensing rules, and lender requirements change and vary by state. Disclosures.