# The Human Bean Franchise Funding for Existing Owners

> Funding for existing The Human Bean owners: drive-thru equipment, required coffee and energy drink inventory, crew payroll and upgrades, read from deposits.

Source: https://mfebusinessloans.com/franchise-funding/brands/the-human-bean/ (Merchant Fund Express, updated 2026-10-21)

## The short answer

Merchant Fund Express funds existing The Human Bean owners: business loans, merchant cash advances, revenue-based financing, lines of credit, equipment financing and working capital from $25,000 to $5,000,000. This franchisor publishes no royalty and earns on required coffee and supply purchases, so we read those supplier drafts and the brand fee against your deposits. A complete file gets a same-day decision, and funding often lands the next business day.

## Who is this page for?

Owners of open The Human Bean outlets in any published layout: single sided or double sided stand-alone drive-thrus, or a cafe or end cap with a drive-thru. Sites sit on busy morning commute routes. Roasted beans come from the franchisor's affiliate roaster, BRIGHT energy drinks from another affiliate, and other inventory from designated suppliers, which makes supply orders the largest recurring draft.
Read it with the coffee and beverage franchise sector guide and our coffee shop industry page.

## What the franchisor publishes

The Human Bean: facts from official sources
Franchisor: Casey Hawkins, Inc. (Medford, Oregon), franchising The Human Bean since 2002 (source)
Parent company: None stated in the FDD; affiliates include Centerline Coffee Roasting, LLC and Bright Energy Drink, LLC (source)
Initial franchise fee: $35,000, which includes a $5,000 site analysis fee (source)
Royalty: None; the franchisor earns revenue by selling coffee and other supplies to franchisees (source)
Advertising fund: Brand fee of 1% of adjusted gross sales, may increase to 2% (source)
Liquid assets / net worth asked of new franchisees: Minimum $250,000 liquid assets and minimum $500,000 net worth (source)
Locations: 190 outlets as of Feb 12, 2026, 12 owned by affiliates (FDD issued Feb 25, 2026, amended Apr 16, 2026) (source)
Published formats: Single sided or double sided stand-alone drive-thru, and cafe or end cap with drive-thru; every outlet has at least one drive-through lane (source)
US franchising status: Actively franchising in the US; some counties and cities are listed as unavailable (source)
Checked Oct 2026 against official sources: the franchisor's own franchising site, its FDD or SEC filings, or the SBA Franchise Directory. Figures change; confirm current numbers in the latest Franchise Disclosure Document. Figures we could not confirm from an official source are left out.

## Every way to fund your The Human Bean location

Already running a The Human Bean location and need capital? Merchant Fund Express funds existing franchise owners with every product below. Terms depend on the business's revenue and history.
Franchise business loan: A term loan for a planned window or lane project, sized from current deposits.
Merchant cash advance: Card-settlement repayment for a commuter drive-thru.
Revenue-based financing: Payments that track sales, useful when commute traffic shifts with school calendars or weather.
Business line of credit: A revolving line for coffee, syrup, energy drink and smoothie orders from required suppliers.
Equipment financing: Espresso machines, blenders, ice machines and refrigeration financed on a quote.
Working capital: Short capital for crew payroll, a repair or local marketing around the outlet.

## Which problems do The Human Bean owners bring to a funding review?

Supply purchases are the big draft
With no royalty, required coffee and supply purchases are the main franchisor-related cost, and busy months mean bigger orders first; a coffee inventory funding line fits that rhythm.
Equipment at a commuter window
Espresso machines, blenders and ice machines run hard at the morning rush; equipment financing replaces a failed one on a quote.
Crew hours and turnover
Drive-thru speed depends on trained crew. Payroll for training and peak staffing comes before the faster window pays it back; see coffee shop payroll funding.

## Which product fits which need?

Need | Product | Published requirement it leans on | What to send |
Espresso or blender replacement | Equipment financing | Vendor quote and useful life | Quote, 3 months of statements |
Larger coffee and supply orders | Line of credit | Tier 1: 3+ years, FICO 650+, 8+ deposits a month | Statements, supplier invoices |
Crew training and peak payroll | Working capital | Tier 2: 6+ months, FICO 600+, $60K verifiable revenue | Statements, payroll register |
Uneven commuter months | Revenue-based financing | Tier 2: $800 minimum daily balance; scores from 500 considered | Statements |
Window or lane upgrade | Business loan | Tier 1: about $25K/month revenue, applicant owns 50%+ | Quote, statements |

## How does the review read a The Human Bean outlet?

Entity: the company that holds the franchise agreement and receives the outlet's deposits.
Deposits: daily card batches weighted to the morning commute; double sided stands show more transactions per day.
Franchisor-related drafts: the brand fee plus required coffee and supply purchases; capacity is sized after them.
Other suppliers: dairy, food and packaging are read as cost of goods, not debt.
Existing positions: current advances and loans are counted; a new structure can sometimes lower the combined payment.

## What should a The Human Bean owner send?

About 3 months of business bank statements (bank PDFs) for each outlet entity
The five-minute application, opening with a soft credit pull
Vendor quotes for espresso, blending, ice or refrigeration equipment
A short list of current advances and loans with payments
Full financials only for requests above $250,000
Tax returns are not part of a typical first review. Sole proprietors are eligible.

## A hypothetical outlet budget

Suppose a double sided drive-thru deposits $88,000 a month. Payroll is $26,000, required coffee and supply purchases $27,000, the brand fee $880, rent $6,500 and existing payments $3,620. The owner wants two espresso machines quoted at $46,000.
Monthly deposits$88,000
Less payroll, supplies, brand fee, rent, payments$88,000 - $26,000 - $27,000 - $880 - $6,500 - $3,620 = $24,000
$46,000 over 48 monthsabout $958/month before cost of funds
Share of what remains$958 / $24,000 = about 4.0%
Figures in this example are illustrations of the arithmetic, not an offer, quote or approval. Real terms depend on the file and the funder.

## What if you are buying or opening a The Human Bean instead?

An outlet still in site analysis or construction has no deposits, so it needs operating history before Merchant Fund Express can review it. Owners adding an outlet are read on their current outlet's deposits; see second location funding. Taking over an open outlet is covered on franchise transfer financing.

## Keep reading

Coffee and beverage franchise funding: how drive-thru coffee concepts are reviewed
Franchise brands we cover: every brand page in this guide
Franchise inventory funding: required supply purchases
Franchise equipment financing: quotes and useful life
Coffee shop payroll funding: crew hours ahead of sales

## Common questions

### How is a no-royalty franchise read?

We read the brand fee and required supply purchases as recurring obligations and size payments after them.

### Can I finance espresso machines for my outlet?

Yes. Equipment financing is reviewed against a vendor quote and each machine's useful life.

### Does a single sided stand qualify like a double sided one?

Yes. Both are read on their own deposits under the same tiers.

### What if I own several outlets?

Each outlet or entity is read on its own deposits and obligations, so a request can cover one outlet or several.

### Are you affiliated with The Human Bean?

No. Merchant Fund Express is independent. We use the The Human Bean name only to identify the owners this page is for; it does not mean the franchisor endorses or works with us.

Merchant Fund Express is independent. Not affiliated with or endorsed by The Human Bean or its franchisor.

Apply with Merchant Fund Express: https://merchantfundexpress.com/current-application.html?utm_source=mfebusinessloans.com&utm_medium=franchise&utm_campaign=franchise-funding&utm_content=the-human-bean