Merchant Fund Express
(305) 384-8391Apply

Equipment Repair Funding for Coffee Shops

Get the espresso machine, grinder or walk-in running again. Funding from $25,000, based mostly on your bank deposits, with no tax returns required.

Fix It Now

Coffee Shop Equipment Repair

A cold bar costs more than the repair

Every hour your espresso machine is down is lost tickets and nervous regulars. We focus on how your shop deposits money, so you can book the technician fast.

As fast as
24 hours

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.

Why café owners use us for repairs

Fast, light paperwork

A 5-minute application and about three months of bank statements. Funding in as little as 24 hours for qualified businesses.

Credit is not the whole story

FICO scores from 500 are considered. Steady daily card deposits carry real weight.

Costs shown up front

Your offer shows the full repayment amount before you accept. No surprise costs after you sign.

A schedule you can plan around

The repayment schedule is laid out in your offer so you can plan it against slow and busy days.

Waiting on deposits to land?

Fast decisions. Applying takes about 5 minutes.

Apply Now

How it works

Apply in minutes

A short application. A soft credit pull to start.

Fast decision

We review revenue, time in business and bank activity, not just a credit score.

Review your offer

You see the amount, the schedule and the full repayment amount before you sign.

Get funded

Funding in as little as 24 hours for qualified businesses.

When the espresso machine is the business

A coffee shop can survive a slow week. It has a much harder time surviving a dead group head on a Saturday morning. When the espresso machine, the batch brewer, the walk-in cooler or the ice machine fails, every hour of downtime costs tickets you will not get back. Equipment repair funding for coffee shops is built for that moment: you need the technician booked, the parts ordered and the bar running again before regulars start trying the place down the street.

We look at how your shop actually runs, mostly through your recent bank deposits, rather than asking you to assemble a binder of tax returns while the machine sits cold.

What repair funding typically covers

Sometimes the repair quote is close to the price of a new unit. In that case, equipment financing for coffee shops may fit better than paying for another rebuild.

Which product fits a repair bill

For a one-time repair, many owners use working capital or a merchant cash advance, which ties repayment to the daily card sales that a café already runs on. If equipment trouble tends to come in waves, a business line of credit lets you draw only what each repair needs. Your offer spells out the full repayment amount and schedule before you accept anything.

What we ask for

  1. A 5-minute application.
  2. About three months of business bank statements.
  3. A soft credit pull to start, so checking your options does not ding your score.

No tax returns are required. FICO scores from 500 are considered, and sole proprietors can apply. Funding can arrive in as little as 24 hours for qualified businesses. When you are ready, start your application.

Frequently Asked Questions

Can I get funding before the technician gives a final quote?

Yes, you can apply while you wait. Having a written quote helps you request the right amount, but the size of the offer depends mainly on your deposits and any existing obligations.

Is $25,000 too much for a single machine repair?

Our funding starts at $25,000. Many shops bundle the repair with related needs, such as a backup grinder, water filtration or catching up on a milk and bean order that slipped while the bar was down.

Does a lower credit score rule my café out?

Not on its own. We consider FICO scores from 500, and funders put real weight on how steady your deposits are. See bad credit options for coffee shops for more.

Should I repair or replace?

If the repair runs close to the cost of a new unit or the machine keeps failing, replacement through equipment financing is often worth pricing out. We can show you both paths so you can compare the numbers.

How fast can the money arrive?

Qualified businesses can be funded in as little as 24 hours after approval, which can be the difference between losing a weekend and losing a week.

Espresso rebuild $28,000.00
Walk-in cooler $35,000.00
Grinder + filter $26,500.00
Oven + pastry case $42,000.00

Example uses for illustration only.

How to improve your chances

A few steps can make your repair request stronger and faster to review.

  • Get a written quote from your service technician
  • Keep card sales depositing to one business account
  • Have your last three months of statements ready
  • Note any existing advances or loans on the application

Repair funding with us vs. a typical bank

Merchant Fund Express
Traditional bank loans
Time to funds
As little as 24 hours if qualified
Often weeks
Paperwork
About 3 months of bank statements
Tax returns and financials
Credit
FICO 500+ considered
Higher scores usually expected
First credit check
Soft pull to start
Hard pull common
Amounts
$25,000 to $5,000,000
Varies; small requests often declined

Get the bar back up and pulling shots

One secure application. A soft credit pull to start. No obligation to accept an offer.

Apply for Funding
Apply NowCall