Compare a reusable credit line with a lump-sum advance for your cafe. Funding from $25,000, FICO 500+ considered, and a 5-minute application.
Compare My OptionsCoffee Shop Funding Comparison
Recurring supply swings and one-time equipment buys call for different tools. We help you see both side by side before you choose.
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.
A 5-minute application and about three months of bank statements. Funding in as little as 24 hours for qualified businesses.
FICO 500+ considered, and we start with a soft credit pull so checking your options does not ding your score.
Your offer shows the full repayment amount before you accept. No surprise costs after you sign.
The repayment schedule is laid out in your offer up front, so you can plan around rush and lull weeks.
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.
A coffee shop runs on small tickets and lots of them. Card swipes land in your account every day, and that steady flow is exactly what both a business line of credit and a merchant cash advance look at. The difference is how the money comes out and how it goes back.
A line of credit gives you a set limit you can draw from when you need it and draw again after you repay. A merchant cash advance gives you one lump sum up front, repaid out of future sales. Neither is better across the board. The right pick depends on whether your need is recurring or one-time.
Think of the line as a standby tank. It suits costs that show up again and again but never on a schedule:
You only use what you draw, so a line works well for owners who want a cushion without taking a big sum they may not need. See our business line of credit for coffee shops page for more detail.
An advance is built for a single, defined purchase or project where you want the full amount now. Common examples for coffee shops include a replacement espresso machine, a patio build-out before warm weather, or opening a second location. Because repayment is tied to your sales, it can track your card volume. Our merchant cash advance for coffee shops page walks through it.
| Your situation | Usually leans toward |
|---|---|
| Recurring, unpredictable costs | Line of credit |
| One large purchase right now | Merchant cash advance |
| Want flexibility to draw later | Line of credit |
| Want the full sum in one deposit | Merchant cash advance |
Either way, your offer shows the full repayment amount and the schedule before you accept, so you can compare side by side.
We fund from $25,000 to $5,000,000 for established businesses with steady deposits. The 5-minute application starts with a soft credit pull, FICO 500+ is considered, and we review about three months of business bank statements. No tax returns required, and sole proprietors can apply. Funding can arrive in as little as 24 hours for qualified businesses. Start your application and we can show you both options for your shop.
It can happen. The decision rests on your deposits, existing obligations and credit profile. Applying once lets us review which products fit your shop.
Many cafes prefer a line of credit for seasonal dips because they draw only what the slow weeks require. If you need one larger sum, an advance may be simpler.
No. We review about three months of business bank statements instead, along with a soft credit pull to start.
Yes. Sole proprietors can apply. What matters most is steady deposits through your business account.
Decisions move quickly and funding can arrive in as little as 24 hours for qualified businesses.
Example uses for illustration only.
A few habits make your cafe a stronger candidate for either product.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding