Draw what your cafe needs, when it needs it. Beans, repairs, payroll gaps. Three months of bank statements, no tax returns, FICO 500+ considered.
Open My LineCoffee Shop Line of Credit
Cafe expenses arrive in small, frequent waves. A line of credit lets you draw against an approved limit as they come, instead of applying again every time.
Amount to request
$85,000.00
Funding range$25K to $5M
*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.
Short application, about three months of bank statements and no tax returns. Funds can be available in as little as 24 hours for qualified shops.
We read your daily card deposits alongside your credit, so the score is not the only voice in the room.
Your offer shows the full repayment amount before you accept. No surprise costs after you sign.
How draws are repaid, and on what schedule, is in the offer from the start.
Fast decisions. Applying takes about 5 minutes.
A short application. A soft credit pull to start.
We review revenue, time in business and bank activity, not just a credit score.
You see the amount, the schedule and the full repayment amount before you sign.
Funding in as little as 24 hours for qualified businesses.
Most coffee shop costs are not one big purchase. They are a steady drip of smaller ones: a roaster invoice this week, a broken steam wand next week, extra staff for a street fair the week after. Taking a new lump sum for each of those is clumsy. A business line of credit lets you draw what you need, when you need it, from an approved limit.
That flexibility is the main appeal for cafe owners. You are not paying for money sitting unused in your account, and the line is there when the next surprise shows up. How draws and repayment work for your line is spelled out in your offer before you accept.
For illustration, here is how a single-location cafe might use a line across a year:
Each draw is tied to a real need, and repaying it frees room for the next one.
Lines are built for established shops with steady deposits. We review about three months of business bank statements to see your daily card volume and the obligations you already carry. The application takes about five minutes, starts with a soft credit pull, and does not need tax returns. FICO 500+ is considered, and sole proprietors can apply.
Your limit depends mainly on those deposits and existing obligations. Funding ranges from $25,000 to $5,000,000, with funds available in as little as 24 hours for qualified businesses.
If you have one defined purchase, a lump sum may be simpler. Compare working capital for coffee shops or read our breakdown of line of credit vs. merchant cash advance. Buying a new espresso machine outright? Equipment financing may match better. Otherwise, apply for a line in about five minutes.
You get an approved limit and draw from it as needs come up. The draw and repayment details are in your offer before you accept.
Mainly by your deposit history and existing obligations, based on about three months of business bank statements.
No tax returns are required. The 5-minute application and bank statements are what we review.
We start with a soft credit pull. FICO 500+ is considered.
Yes. A line is meant for recurring and varied needs like stock, repairs, payroll and small projects.
It depends on the need. A line suits repeat, smaller draws, while an advance suits a single larger need repaid from card sales.
Example uses for illustration only.
A line works best when the account behind it is easy to read.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding