Funding for your situation
What a coffee shop typically has to pay for first after a flood or fire, how a bridge fits around insurance, and a worked example.
✓ Checking what you qualify for does not affect your credit score.
Recovery has stages: stabilise, rebuild and reopen. A coffee shop that funds the first two quickly shortens the third. High-frequency, low-ticket card sales create steady daily deposits, which is what underwriters like to see.
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.
Morning traffic follows the school and commuter calendar, and summer shifts the mix toward cold drinks. For a coffee shop, that rhythm decides when a funding request reads best and how it should be repaid.
What it looks like on the ground: the espresso machine is on its last year and the repair quote is close to a replacement.
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.
A real cost of the move that is easy to leave out of the first estimate.
A fixed purchase with a quote you can put in front of a funder.
Paid to a contractor before opening, often in draws that start before any revenue.
People are paid on a schedule that does not wait for new revenue to ramp.
A real cost of the move that is easy to leave out of the first estimate.
| Cost item | Illustrative amount |
|---|---|
| Cleanup and mitigation | $28,000 |
| Espresso machine boiler replaced | $9,600 |
| Build-out and plumbing (first phase of rebuild) | $24,500 |
| Payroll and fixed costs while closed (6 weeks) | $41,500 |
| Reopening: health department plan review and restart costs | $11,500 |
| Cushion for overruns and slow early weeks (about 10%) | $11,500 |
| First-phase recovery cost | $126,600 |
Sizing check. If the full repayment shown in an offer were $165,000 over about 26 weeks, the weekly debit would be about $6,346. Against illustrative monthly deposits of $140,000 (about $32,308 a week), that is roughly 20% 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.
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.
Often yes. A short-term bridge is built around the expected payout. See working capital and line of credit; Merchant Fund Express reviews the file the same day it is complete.
They are what the review is built on, together with documentation of the event.
Then the plan is about temporary operations and rebuild timing. Tell us the situation; the file can be shaped around it.
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.
