Funding for Coffee Shops & Cafés in All 50 States
Fast, flexible capital for coffee shops and cafés in All 50 States. Up to $2,000,000, decisions in 24 hours, and no collateral.
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Capital built for coffee shops & cafés
A café is an equipment-and-build-out business running on thin daily margins. Espresso machines, roasters, and a build-out cost real money up front, long before the morning rush pays it back. We fund coffee shops for equipment, build-outs, and working capital.
How coffee shop funding actually works
A café earns a few dollars at a time but spends in big lumps: an espresso machine and grinder, a build-out, and a lease deposit all land up front, long before the morning rush pays them back. Thin per-cup margins mean a slow month or an equipment failure hits hard. Coffee shop funding covers the up-front costs and smooths the daily cash flow.
Two ways owners use it
Equipment and build-out capital. Espresso machines, grinders, roasters, refrigeration, seating, and the build-out itself.
Working capital. Beans, dairy, and supplies, barista payroll and training, and bridging seasonal dips — repaid as sales come in.
What café owners use it for
Espresso and brewing equipment, café build-outs and seating, inventory and supplies, staff payroll, marketing and loyalty programs, and opening a second location. From $10,000 to $2,000,000 based on monthly revenue.
Why cafés skip the bank
Banks dislike thin-margin food service; we underwrite your daily sales. No collateral, bad credit considered, decisions in about 24 hours, funds in 24–72. Most coffee shops qualify with 3+ months operating and about $10,000+ in monthly revenue — recent business bank statements start it.
Why owners choose ShopFunders
Decisions in 24 hours
Apply in 2 minutes and get a real answer fast — no waiting weeks on a bank.
No collateral required
Unsecured funding based on your revenue and business health, not your assets.
Built for your industry
Structures that fit how coffee shops and cafés actually earn and spend.
Coffee Shops & Cafés funding across the country
We fund coffee shops and cafés nationwide.
Frequently asked questions
How do I get funding for a coffee shop?
Coffee shops and cafés qualify on daily sales and monthly revenue rather than collateral — typically $10,000 to $2,000,000 with 3+ months operating and about $10,000+ in monthly revenue, with decisions in about 24 hours.
Can I finance an espresso machine or café build-out?
Yes. Equipment and build-out capital covers espresso machines, grinders, roasters, refrigeration, seating, and the build-out itself, with funds typically within 24 to 72 hours of accepting.
Can a café with bad credit get funded?
Yes. Underwriting is based on your daily sales, not your credit score — bad credit is considered, no collateral is required, and applying takes about two minutes with no hard credit pull.
How much funding can I get?
Most businesses access $10,000 to $2,000,000, based mainly on monthly revenue and business performance.
How fast can I get funded?
Approvals can come in as little as 24 hours, with funds typically deposited within 24–72 hours of accepting your offer.
Will applying hurt my credit?
No — applying requires no credit check. We focus on your business revenue and don't pull credit until you review and sign terms.
Do I need collateral?
No. Our funding is unsecured and based on the health of your business, not your assets.
Ready to fund your coffee shops & cafés business?
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