Keep your baristas paid through slow weeks and busy hiring stretches. Apply in 5 minutes, funded in as little as 24 hours if you qualify.
Cover My PayrollCoffee shop payroll funding
Good baristas keep regulars coming back. We help coffee shops cover payroll when traffic dips or costs pile up in the same week.
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.
5-minute application, about three months of bank statements. Funding in as little as 24 hours for qualified shops.
FICO 500 and up considered. Daily deposits tell your story.
The full repayment amount is shown in your offer before you accept. No surprise costs after you sign.
Your repayment schedule is in the offer up front, so you can plan around pay periods.
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 lives on small tickets and long hours. Opening at 6 a.m. means a barista on the clock before the first latte sells, and weekends often need a full bar. Labor is usually one of the largest costs you carry, and it does not flex easily when a rainy week, road construction outside or a nearby event pulls traffic down. Payroll funding keeps paychecks on time while sales catch up.
Daily card and cash deposits give a clear view of how the shop performs. We ask for about three months of business bank statements and a 5-minute application. No tax returns are required, the process starts with a soft credit pull, and FICO 500 and up is considered. Sole proprietors can apply. Qualified shops can be funded in as little as 24 hours.
High card volume makes a merchant cash advance or revenue-based financing a common fit, since repayment follows sales. If payroll gaps come and go, a business line of credit lets you draw when needed. For a single known amount, working capital keeps things simple. See our line of credit vs. MCA comparison to weigh them.
Every offer shows the full repayment amount and the schedule before you accept.
Start with your payroll per period, count the periods you need to bridge, and add employer taxes. For illustration, a shop with $7,500 in payroll every two weeks that wants to cover three pay periods during a slow stretch, plus taxes, would look at something near $25,000 to $30,000. Funding starts at $25,000 and goes up to $5,000,000, sized mainly by deposits and existing obligations.
Yes. We work with established shops with steady deposits, including single locations and sole proprietors.
About three months of business bank statements and the short application. No tax returns.
Qualified businesses can be funded in as little as 24 hours.
FICO 500 and up is considered, and deposits weigh heavily in the review.
Your offer lays out the repayment schedule and full repayment amount before you accept.
Yes. If a new account needs extra hands before its first invoice is paid, funding can cover those early shifts. Confirm the account's payment terms first, so you know roughly when that new revenue starts showing up in deposits.
Example uses for illustration only.
Small changes can keep labor costs steadier.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding