Funding for your situation
The real cost of adding a drive-through lane, what funders look at, and a worked example using illustrative figures.
✓ Checking what you qualify for does not affect your credit score.
For coffee shops, capacity usually comes one drive-through lane at a time. Morning lines are out the door, and a drive-through lane would double the throughput of the same staff. The decision is rarely whether to add it; it is how to pay for it without starving the operation that funds it.
Merchant Fund Express is a funding marketplace: you apply once, and the file is matched to the structure that fits it. The sections below show what this situation usually costs, how a funder reads it, and what to prepare.
A coffee shop file is read through daily deposit consistency and the average ticket, whether a second site has a signed lease and a realistic opening timeline and payments to existing lenders taken from the same account.
High-frequency, low-ticket card sales create steady daily deposits, which is what underwriters like to see. A reviewer sees that pattern in the statements before reading a word of the application.
Equipment is part of the picture. A failure such as a espresso machine boiler or a refrigeration repair can run $4,800 to $4,800 and interrupt revenue while it is down.
The documents that usually matter most for a coffee shop are equipment quote or lease and lease for the new space, if opening a second site, alongside the bank statements.
| Cost item | Illustrative amount |
|---|---|
| Espresso machine and grinders | $16,000 |
| Pastry case and cold storage | $5,000 |
| Drive-through window and menu board | $22,000 |
| Opening inventory | $3,500 |
| Cushion for overruns and slow early weeks (about 10%) | $4,500 |
| Funding need for one more drive-through lane | $51,000 |
Sizing check. If the full repayment shown in an offer were $66,000 over about 26 weeks, the weekly debit would be about $2,538. Against illustrative monthly deposits of $80,000 (about $18,462 a week), that is roughly 14% of weekly deposits. Your own offer states the real repayment amount in dollars; run your numbers on the factor rate calculator before you accept anything.
Source: worksheet by Merchant Fund Express. Illustrative only: these figures are not an offer, and real amounts depend on your file and the funder.
A fixed purchase with a quote you can put in front of a funder.
A real cost of the move that is easy to leave out of the first estimate.
A real cost of the move that is easy to leave out of the first estimate.
Bought ahead of the first sale and sitting as cash until it turns.
These are the same factors described on revenue and deposit requirements and time in business. Merchant Fund Express walks you through how your own file reads before you apply.
A complete file is what makes a same-day decision possible. If something is missing, tell us and we will work around it.
Merchant Fund Express gives a same-day decision on a complete file, and funding is typically the next business day after signing. The quote or bill of sale for the drive-through lane is the document that usually moves things along.
It can be either. If the purchase is a single asset with a quote, equipment financing may fit; if you also need payroll and supplies for the ramp-up, working capital covers the whole package.
Often yes. A used purchase can shorten the payback, and a quote or invoice from the seller is what the file needs.
The minimum FICO is 500, and better credit means better products and terms. See credit score requirements for how the tiers work.
Merchant Fund Express gives a same-day decision on a complete file. Applying takes a few minutes and will not affect your credit score.
