Turn your daily card sales into working cash for equipment, inventory or a new contract. Repayment follows sales. Three months of statements, no tax returns.
Start ApplicationCoffee Shop Merchant Cash Advance
Cafes run on steady card traffic. A merchant cash advance uses that traffic to fund a repair, a bulk order or new seating, with repayment drawn from future card sales.
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.
Apply in about five minutes with three months of bank statements. No tax returns, and funding in as little as 24 hours for qualified shops.
Your daily card volume carries real weight alongside your credit history.
Your offer shows the full repayment amount before you accept. No surprise costs after you sign.
How repayment is drawn from card sales is laid out in your offer up front.
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 is a card business. Most tickets are small, they come in all day, and they land in your account almost every day of the week. That steady flow of card sales is exactly what a merchant cash advance is built on.
With a merchant cash advance, you receive a lump sum in exchange for a share of future card sales. Repayment comes from those sales as they happen, so it follows the pace of the counter rather than a fixed calendar date. Your offer explains the full repayment amount and how collection works before you accept.
We look at about three months of business bank statements, which tell the story of your daily card volume, the morning rush and the slower afternoons. The application takes about five minutes, starts with a soft credit pull, and does not require tax returns. FICO 500+ is considered, and sole proprietors can apply.
The amount depends mainly on your deposits and any existing obligations. Established shops with steady daily deposits are the best fit. Funding ranges from $25,000 to $5,000,000, and qualified shops can be funded in as little as 24 hours.
An advance works best for a defined, one-time need. If you expect to borrow repeatedly, a business line of credit may serve you better. Our side-by-side guide, line of credit vs. merchant cash advance for coffee shops, walks through the trade-offs. Ready now? Apply in about five minutes.
Repayment comes from a share of your future card sales as they come in. The exact mechanics and full repayment amount are in your offer.
It is an advance against future card sales rather than a traditional loan, which is why repayment tracks your sales.
A 5-minute application and about three months of business bank statements. No tax returns required.
Single locations and sole proprietors can apply. We look for an established shop with steady deposits.
Funding can arrive in as little as 24 hours for qualified businesses.
Yes, those sales show up in your deposits too. We review the full three months of business bank statements, so delivery app payouts and online orders are part of the picture we see when sizing an offer.
Example uses for illustration only.
Card-heavy files are easiest to review when the deposits are clean.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding