Capital tuned to how coffee shops actually run.
- Buy or upgrade the espresso machine, grinder, and bar equipment
- Build out a second location or relocate to better foot traffic
- Add a roastery or wholesale operation behind the retail front
- Smooth seasonal traffic — winter dips, summer surges in patio cities
- Refinance high-cost startup debt into a longer-term structure
Products built for coffee shops.
The shapes of capital most coffee shops use — and why each one fits.
Revenue-Based Financing
Daily ticket-driven repayment scales with your sales — soft weeks cost less.
Learn more →Term Loan
Equipment and buildouts — clean fixed schedule matched to new revenue.
Learn more →Line of Credit
Surprise repairs, holiday inventory pushes, and seasonal staffing — pay for only what you draw.
Learn more →SBA Loan
Multi-location growth or property purchase — the longest amortization in the market.
Learn more →“We added a small roastery in our backroom and started wholesaling to three offices in the building. RBF made the cash flow work because repayment scaled with the rollout.”
Three steps from application to funded.
Apply in 3 minutes
Soft credit pull only. Connect your bank or upload statements — no impact to your score.
Compare real offers
See every product your business qualifies for side-by-side. No estimates, no bait pricing.
Funded fast
Sign electronically and funds typically land in 24 to 48 hours of acceptance.
Coffee Shop financing — common questions.
I've been open less than a year — can I still qualify?+
Six-plus months of operating history is typical for most working-capital products. Stronger personal credit and higher daily revenue help on shorter histories.
Can I finance new equipment specifically?+
Yes. Espresso machines, grinders, brewers, and bar equipment can be financed via a term loan or a dedicated equipment facility.
What about a second location?+
Term loans and SBA loans are common. We structure payments to begin as the new location ramps so you're not paying full freight on day one.
I'm seasonal — does that matter?+
Seasonal underwriting is common. RBF in particular handles this naturally — payments scale with daily revenue.
Can I borrow for a roastery or wholesale arm?+
Yes. Wholesale and value-add expansions are favorable use cases. We can finance both the equipment and the working capital around the launch.
Other industries we fund.
Ready to fund your company's future?
Three minutes to apply. Soft credit pull only. Real, comparable offers — not estimates.