Buy beans, milk, cups and holiday retail stock ahead of demand. Funding from $25,000, sized mainly on your deposits, with no tax returns required.
Stock Up NowCoffee Shop Inventory
Bulk pricing from your roaster and a full retail shelf before the holidays both cost money up front. We help you cover it based on how your café actually deposits.
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.
Five minutes to apply and about three months of bank statements. Funding in as little as 24 hours for qualified shops.
FICO scores from 500 are considered. Consistent deposits matter a lot.
You see the full repayment amount in your offer before you accept, with no surprise costs after signing.
Your offer lays out the schedule up front, so you can match it to your ordering cycle.
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.
Green or roasted beans, dairy and alt milks, syrups, lids, sleeves, pastry from your wholesale baker, retail bags for the holidays. None of it is glamorous, and all of it has to be paid for before a single latte rings up. Inventory funding for coffee shops gives you the cash to buy ahead, take a roaster's volume pricing, or stock a second location without leaving payroll short.
We look mainly at your deposits and existing obligations, not a projection of how much inventory you might sell. For illustration only: a shop with steady card deposits and no other advances will usually see a different offer than a shop already paying down two products. Either way, the offer lays out the full repayment amount and schedule before you accept.
For stock you reorder often, a line of credit lets you draw for each order. For a single large buy, working capital or revenue-based financing is often simpler.
The application takes about 5 minutes. Send roughly three months of business bank statements; no tax returns are required. We start with a soft credit pull, consider FICO scores from 500, and welcome sole proprietors. Qualified businesses can be funded in as little as 24 hours. Apply here when your supplier is ready to ship.
Yes. Mugs, brewing gear, bagged coffee and gift items are common uses alongside beans, milk and packaging.
Invoices or quotes help you size the request, but the offer depends mainly on your bank deposits and current obligations, not on the paperwork from your supplier.
Funders look at what lands in your business account. If cash sales are deposited regularly, they show up in your statements and count.
A merchant cash advance is one way to fund inventory, with repayment tied to sales. Working capital and lines of credit are others. We can show the options side by side.
We start with a soft credit pull, so seeing what you might qualify for does not affect your score.
Buy what you can realistically sell or use before it goes stale. Roasted coffee and dairy have short windows, while cups, lids and retail merchandise keep. Many owners finance packaging and retail stock in bigger batches and keep perishables on a tighter cycle, which makes the repayment schedule easier to carry through slower weeks.
Example uses for illustration only.
Before you apply, a little prep helps you request the right amount.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding