Funding for your situation
What a breakdown really costs a coffee shop, how fast funding can move, and a worked example with illustrative numbers.
✓ Checking what you qualify for does not affect your credit score.
The espresso machine is on its last year and the repair quote is close to a replacement. A breakdown is the one expense that cannot be scheduled, and it usually arrives in the week when cash is already committed to rent, payroll and suppliers.
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.
Compliance touchpoints for a coffee shop often include health department plan review and signage permit, which can come up when the request involves a new site, a purchase or a significant change.
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.
| Cost item | Illustrative amount |
|---|---|
| Espresso machine boiler | $4,800 |
| Ice machine | $3,600 |
| Refrigeration repair | $2,200 |
| Lost revenue while the coffee shop operates short (two weeks, illustrative) | $8,480 |
| Cushion for overruns and slow early weeks (about 10%) | $2,000 |
| Total cost of the breakdown | $21,080 |
Sizing check. If the full repayment shown in an offer were $27,000 over about 26 weeks, the weekly debit would be about $1,038. Against illustrative monthly deposits of $25,000 (about $5,769 a week), that is roughly 18% 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 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.
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. A written repair quote and three months of statements are what move it along.
That depends on the age of the equipment and the repair quote relative to replacement. If replacement is the better answer, equipment financing can be built around the new asset.
It depends on the existing position and how the account is behaving. See existing positions and stacking and second position funding.
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.
