Cover rent, staff and supplies when foot traffic fades. 5-minute application, soft credit pull, funding in as little as 24 hours for qualified shops.
Prep for the LullCoffee shop off-season funding
Coffee shop traffic rises and falls with weather, school calendars and tourism. We help shops carry fixed costs through the quiet stretch.
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.
About three months of bank statements and a 5-minute application. Funding in as little as 24 hours for qualified shops.
FICO 500 and up considered. Your deposit history matters most.
Your offer shows the full repayment amount before you accept. No surprise costs after signing.
The repayment schedule is laid out in the offer, so you can line it up with your busy season.
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.
The slow season looks different depending on where you pour. A shop near a campus empties out over summer and winter breaks. A beach-town cafe goes quiet once tourists leave. An office-district shop feels every holiday week and every remote-work Friday. Some shops see hot-drink sales slip in the heat of summer. Whatever the cause, rent, milk deliveries, roaster invoices and a core crew stay on the books.
Owners usually use it for:
Funders look at the pattern of your deposits and your existing obligations, not just your weakest month. We ask for about three months of business bank statements, and you are welcome to explain your seasonality. No tax returns are required, FICO 500 and up is considered, and sole proprietors can apply. The 5-minute application starts with a soft credit pull, and qualified shops can be funded in as little as 24 hours.
A business line of credit suits shops that dip at the same time each year. Revenue-based financing ties repayment to sales, which can track the slow months. A lump sum of working capital works when you know the exact gap. For more planning ideas, read our coffee shop cash flow guide. Every offer shows the full repayment amount and schedule before you accept.
Apply before cash gets tight, not after. List monthly fixed costs, estimate slow-month sales from last year, and multiply the gap by the number of quiet months. For illustration, a cafe with $22,000 in monthly costs and $15,000 in expected sales has a $7,000 monthly gap; over four quiet months that is about $28,000, so a request near $30,000 fits.
Before is better. Applying while deposits are stronger gives funders a clearer picture and gives you time to plan.
Yes. Marketing, new menu items and supplies are common uses.
No. About three months of business bank statements is the main document.
From $25,000 to $5,000,000, sized mainly by deposits and existing obligations.
We begin with a soft credit pull, which does not affect your score.
It depends on how predictable your slow months are. If the dip shows up at the same time every year, a line of credit lets you draw only what the quiet stretch needs. If you know the exact gap, a lump sum keeps things simple.
Example uses for illustration only.
These steps can soften the next slow stretch.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding