Steady sales but a thin balance? See where the cash goes, then get working capital from $25,000 when a gap or a broken machine cannot wait.
Check My OptionsCoffee Shop Cash Flow
Coffee shops collect in small amounts and pay out in big ones. Working capital or a line of credit can bridge the timing so a quiet month or a failed grinder does not set you back.
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.
A 5-minute application and about three months of bank statements. Qualified shops can be funded in as little as 24 hours.
FICO scores from 500 are considered. Your deposits carry real weight in the review.
Your offer shows the full repayment amount before you accept, so there are no surprise costs after you sign.
The repayment schedule is laid out in your offer up front, so you can fit it into your weekly cash calendar.
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.
A coffee shop runs on hundreds of small tickets. The register looks healthy at 9 a.m., yet the bank balance can feel thin by the end of the week. That gap usually comes from timing: milk, beans, cups and pastries get paid for on delivery or short vendor terms, payroll lands every week or two, and rent shows up on the first no matter how the weather treated foot traffic.
Card deposits settle a day or two after the sale, so the money you earned Friday may not be usable until Monday or Tuesday. Multiply that across a month with a slow stretch and you can see why owners with strong sales still feel squeezed.
Before you think about outside funding, sketch a simple weekly calendar of cash in and cash out. Most shops find three pressure points:
Once you know which weeks are tight, you can shift vendor order days, adjust staffing on predictably slow afternoons, and build a small reserve during strong months.
Many shops see a lift in fall and around the holidays, then a dip after New Year. Locations near campuses or offices can drop sharply during breaks. Summer cold brew helps some cafes and does little for others. Look back at a year of deposits and mark your slowest four to six weeks. That is the window to plan for, not the busy season.
Outside capital makes the most sense when it covers a specific, short-lived gap or pays for something that earns its keep: replacing a failed espresso machine before you lose a week of sales, stocking up ahead of the holiday rush, or opening a second counter at a busy location. It makes less sense as a permanent patch for a menu that does not cover its costs.
We offer working capital for coffee shops, a business line of credit for recurring dips, and equipment financing for machines and refrigeration. Funding ranges from $25,000 to $5,000,000, and qualified businesses can be funded in as little as 24 hours.
We look mostly at your business bank statements, usually about three months, to see steady deposits. FICO scores from 500 are considered, no tax returns are required, and the 5-minute application starts with a soft credit pull. Sole proprietors can apply. If your slow season is coming, you can start your application before the dip rather than in the middle of it.
There is no single number. A useful starting point is enough to cover payroll and rent through your slowest few weeks, based on your own deposit history.
Yes. Settlement usually takes a day or more, so weekend sales often are not available until early the following week. Plan supplier payments around that lag.
Yes. Equipment repair and replacement is a common use. Equipment financing or working capital can both fit, depending on the size of the cost.
We start with a soft credit pull, which does not affect your score.
Yes. Sole proprietors can apply, as long as the business shows steady deposits in its bank statements.
Example uses for illustration only.
A few habits make a coffee shop file stronger and its cash easier to manage.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding