A café lives on the morning rush and runs on equipment that can't go down, a five-figure espresso machine, grinders, and refrigeration that have to work every single day. Margins are thin and tickets are small, exactly the kind of business banks tend to pass on. We fund on your daily sales so a slow stretch or a broken machine never stops the line.
Fast reviews · Clear communication · No misleading promises
Coffee is a high-frequency, low-ticket business: hundreds of small transactions a day, slim margins on each, and revenue concentrated in the morning and built on regulars. The equipment that makes it all possible, espresso machines, grinders, refrigeration, is expensive and unforgiving, and a single failure can cost a whole day's rush. Banks see the small tickets and modest margins and usually pass.
Revenue-based funding reads your daily card and POS sales, so you can replace a machine, stock up, renovate, or get through a slow season, and repay as the cups go out.
Espresso machines and grinders
Refrigeration and brewing equipment
Bean, dairy, and supply inventory
Build-out, remodel, or a refresh
POS and mobile-ordering tech
Patio or drive-thru additions
Payroll through slow seasons
Opening a second café
A rough guide by monthly revenue. Actual offers depend on your full profile, these are estimates, not quotes.
Estimates only, not an offer of credit. Approval and amounts are subject to underwriting.
The options businesses like yours reach for most. Not sure which is right? We'll help you compare in one conversation.
A realistic picture of what we look for, and what to have ready so things move quickly.
6+ months in operation
$8k+ in average monthly sales
An active business bank account
Steady card or POS revenue
U.S.-based café or coffee shop
3–6 months of business bank statements
Card-processing or POS statements
A government-issued photo ID
Basic business info (EIN, entity type)
Share your restaurant, monthly sales, and what you need. Five fields, no credit pull at this stage.
We look at recent deposits and card volume to understand what you may qualify for.
See the products that fit your situation side by side, in plain language.
Once you choose a direction, funds for fast options can land in as little as a day.
Espresso machine died mid-rush
Funded fast, replaced before the next morning
Slow season after the holidays
Drew to bridge, repaid as traffic returned
Opening a second location
Lower-rate financing for the build-out
Representative scenarios for illustration. Individual results, products, and timing vary.
We fund the small tickets banks skip
Speed to replace a machine and reopen
Cafés, coffee shops, and roasters
Straight talk, no guaranteed-approval hype
Repayment that flexes with the season
One conversation to compare every fit
“Our espresso machine died on a Monday, that's our whole business. They funded a new one overnight and we didn't lose a single morning.”
Representative experience. Individual results vary. No outcome is guaranteed.
Still have a question? A specialist can usually answer the same business day.
Start a review→Plain-English answers to the questions owners ask before they apply.
We tailor funding to specific businesses across the industry, explore the others.
Answer a few quick questions and a specialist will help you understand your real options, no credit pull to start.