Cash for payroll, beans, rent and the slow weeks in between. Apply in five minutes with three months of bank statements and no tax returns.
Get Working CapitalCoffee Shop Working Capital
Cafe costs arrive on schedule even when foot traffic does not. Working capital gives you room to cover them, with funding in as little as 24 hours for qualified shops.
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 three months of bank statements. No tax returns, and funding in as little as 24 hours for qualified businesses.
FICO 500+ considered. Steady daily deposits count in your favor.
The full repayment amount is shown in your offer before you accept, with no surprise costs after you sign.
Your repayment schedule is laid out in the offer up front, so you can plan around slow seasons.
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.
Coffee margins are earned a few dollars at a time, and costs do not wait for the register to catch up. Rent is due on the first. The roaster invoices on delivery. Baristas get paid every week whether it rained all month or not. Working capital is the cushion that keeps those bills from colliding.
We provide working capital as a lump sum you can use across the business. There is no requirement to spend it on one specific item, which makes it useful for the everyday pressure points that come with running a cafe. Think of it as room to make decisions on your timeline instead of the bank balance deciding for you, especially in the weeks when weather or road work keeps regulars away.
A few examples, for illustration:
For a broader look at managing cafe cash, our coffee shop cash flow guide is a good starting point.
We keep it simple: a 5-minute application and about three months of business bank statements. No tax returns required. We start with a soft credit pull and consider FICO 500+. Sole proprietors can apply.
Your statements show how daily sales flow in and what is already going out. The amount we can offer depends mainly on those deposits and any existing obligations. Funding ranges from $25,000 to $5,000,000, and qualified shops can be funded in as little as 24 hours.
If you need the money once, working capital is often the cleanest fit. If gaps keep coming back, compare it with a business line of credit for coffee shops. Buying a machine? Equipment financing ties the funding to the asset. When you know what you need, apply here.
Day-to-day needs like payroll, inventory, rent, staffing and marketing. It is not restricted to a single purchase.
Funding ranges from $25,000 to $5,000,000. The amount depends mainly on your deposits and existing obligations.
No. About three months of business bank statements is what we review.
We start with a soft credit pull and consider FICO 500+.
Your offer lays out the full repayment amount and the schedule before you accept.
We are built for established businesses with steady deposits. A shop that has been open long enough to show a few months of regular sales in its bank account is the best fit for a review.
Example uses for illustration only.
These habits help a working capital request read well.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding