Espresso machines, grinders, refrigeration and roasters, financed so you can buy now and pay over time. Bank statements, no tax returns.
Finance My EquipmentCafe Equipment Financing
An aging espresso machine or failing cooler costs sales every day. Equipment financing puts the new piece behind your counter now, with a schedule set out in your offer.
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.
Bring the equipment quote, apply in five minutes and share three months of bank statements. Qualified shops can be funded in as little as 24 hours.
Your daily sales history counts alongside your credit score.
The full repayment amount is in your offer before you accept, with no surprise costs after you sign.
Your repayment schedule is laid out in the offer up front, so the machine pays its way.
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.
In a coffee shop, the espresso machine is not a nice-to-have. It is the line between a normal morning and a lobby full of people walking back out the door. Grinders, brewers, under-counter refrigeration, ice machines, ovens for pastry and the POS system all carry the same weight. When one ages out or breaks, it needs to be replaced on your schedule, not a lender's.
Equipment financing lets you get the machine in place now and pay for it over time, with the funding tied to the equipment you are buying. That keeps your everyday cash free for beans, milk, rent and payroll instead of draining it all at once on a single machine. It also lets you time an upgrade to your busy season, so the faster bar starts paying for itself when lines are longest.
| Equipment | Why owners upgrade |
|---|---|
| Espresso machine | More groups for faster service at peak |
| Grinders | Consistency and fewer breakdowns |
| Refrigeration and ice | Food safety and capacity |
| Small-batch roaster | Roasting in-house and selling retail bags |
| POS and ordering kiosks | Faster lines and online ordering |
If the problem is a repair rather than a replacement, our equipment repair funding page may be the better read.
Start with a quote or invoice for the equipment so the amount is grounded in a real number. Then complete the 5-minute application and share about three months of business bank statements. No tax returns required. We start with a soft credit pull, and FICO 500+ is considered. Sole proprietors can apply.
The amount depends mainly on your deposits and existing obligations. Funding ranges from $25,000 to $5,000,000, and qualified shops can be funded in as little as 24 hours. Your offer lays out the full repayment amount and schedule before you accept.
If the machine is one piece of a larger project, such as a remodel or a second location, you may want broader funding. See expansion funding for coffee shops or working capital. For ongoing smaller purchases, a line of credit can help. When you have a quote in hand, start your application.
Tell us what you are buying and share the quote. We review the request alongside your deposits and existing obligations.
A 5-minute application and about three months of business bank statements. No tax returns are required.
Yes. Many owners bundle a machine, grinders and refrigeration into one request when they are opening or refreshing a bar.
FICO 500+ is considered, and we start with a soft credit pull.
Funding can arrive in as little as 24 hours for qualified businesses, so you can place the order quickly.
Compare the repair quote with the age of the machine and how often it has failed. If downtime keeps costing morning sales, replacement is often the cleaner long-term call, but the decision is yours.
Example uses for illustration only.
These steps help an equipment request move cleanly.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding