Business Loans for Coffee Shops & Cafe's

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Best Business Loans for Cafe's & Coffee Shops

It’s no secret that coffee shop owners have had difficulty getting a bank loan for their businesses over the years. Whether you are a member of a credit union or customer at a bank, it is challenging to secure funding. However, these are new times and the demand is high for financing.

According to the National Coffee Association, 67% of U.S. consumers drink coffee daily. With the growth and increased demand from the number of coffee drinkers and new alternative lending sources, the coffee industry has more access than ever before to get funding for your coffee shop dream. It seems almost everyone drinks coffee these days and wants to see the latte art, single-origin pour-overs, acai bowls, or even grilled sandwiches and other edibles at their local coffee shop.

Finding coffee shop financing options can be a tricky process. Traditional lenders and credit unions view coffee shop business loans as risky because if a business fails there is no recouping losses, which means qualifying for loans is a challenge. These lenders won’t give coffee shop loans out to just anyone; they’ll likely require a business owner with good personal credit and good business credit, robust business plan, and require a significant amount of assets. Some could even ask you about your relevant hospitality experience as well when borrowing money.

AdvancePoint Capital offers our online lender network of funding resources that you can take advantage of to get the right funding you need through various business loan products we offer.

AdvancePoint Capital has been experienced in loans for coffee shops for years and can help you access the best alternative lending products for your business vision. We understand the difficulties of operating a coffee shop and the need for funding to support it. Our job is to provide the best funding products to you to run your coffee shop effectively. Whether you’re looking to purchase equipment, need some working capital, or are expanding operations — we have the best funding solutions you can rely on.

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AdvancePoint Capital makes the loan application process a simple, straightforward experience.

The 7 Best Business Loan Options for
Cafes and Coffee Shops

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Long-Term Business Loans for Cafes and Coffee Shops

Long term business loans are a great option for large expansions. Qualifications will be tougher than shorter term options do to the repayment time.

Short-Term Business Loan for a California Small Business icon

Short-Term Small Business Loans for Cafes and Coffee Shops

Short term loans come in handy when a traditional business loan is not an option. Limited documentation is needed. Usually a 1 page application and bank statements is all you need to get pre-approved.

Business Line of Credit

Business Line of Credit for Cafes and Coffee Shops

A line of credit is a business financing option that allows you to draw funds when needed. you only pay the interest rate based on outstanding balance so you can save money if you payoff early.

Equipment Financing for a California Small Business

Equipment Financing for Cafes and Coffee Shops

Espresso machines and other equipment can be expensive. Coffee shop owners often turn to equipment loans and/or leases to purchase equipment.

SBA Loan

Small Business Administration (SBA) Loans for Cafes and Coffee Shops

SBA loans have attractive rates and terms. Qualifications can be tough as strong credit is required but worth the effort if you are looking for an affordable small business loan.

Merchant Cash Advance for a California Small Business

Merchant Cash Advance for Cafes and Coffee Shops

Merchant cash advance is an alternative to traditional loan. Commonly used by small businesses who have a lot of credit card processing and want to repay by the funder taking a set percentage of future credit card processing.

Invoice Financing

Business Credit Cards for Cafes and Coffee Shops

As a coffee shop owner, credit cards are always a good thing to have available for those quick purchases when you need to borrow money.

Benefits of a Coffee Shop Loan for Coffee Shop Owners

Operating small businesses like a coffee shop is a complicated venture with many moving parts to it. Various issues can impact the company’s cash flow, like seasonality, holidays, location, changes in food trends, and competition. Meeting payroll is not an option, so it’s essential to have a working capital loan to control the ups and downs and stabilize cash flow. From working capital to seasonal needs, coffee shop funding is a sound option.

Facility Expansion and Renovations

Your coffee shop may need upgrades or repairs to the facility. Upgrades and repairs can spruce up the interior décor, exterior appearance to maintain and attract customers and keep a competitive edge. Or, maybe you’re choosing to add a new location. In some cases, a new concept for outdoor seating may present the need for funding. With so many financing options available, growing your coffee shop can come in many forms. These coffee shop financing options can be used to purchase additional inventory, lease more space, expand marketing efforts, buy new equipment, or even open up another operation.


The internet marketing landscape has become a must and has added additional costs to coffee shop owners. That’s why coffee shop financing for advertising is so popular. Having a presence on the internet with various sources such as Google, Yelp, and Trip Advisor and maintaining a social media presence with Facebook and Instagram is very important for success. Your coffee shop website and work on search engine optimization help keep your coffee shop on the top of Google searches. Additional costs for the growth of 3rd party delivery services like GrubHub, DoorDash, and Uber Eats can be viewed as advertising costs and can diminish the bottom line. Additionally, more traditional sources like mailers and flyers are also advertising mainstay and costs to operate. So, coffee shops may need a business loan as an effective way to pay for a wide range of marketing channels.

Point of Sale Systems, Software, and Technology Upgrades

The point of sales systems are continuously improving and providing efficiencies to coffee shop operations. You must make sure eventual investments in this area are a foregone conclusion and know financing may be needed due to the cost. Business loans can be used to update systems and create more efficient processes within your operation. Coffee shop owners are always looking for new ways to keep their tables and lobbies full. Improving the customer experience with easier processes and systems for staff can make a significant impact.

Maintenance and Repair of Kitchen Equipment

Equipment financing allows coffee shop owners to repair or replace essential equipment at the core of the coffee shop. These can be expensive endeavors, and business loans that improves kitchen equipment and costly parts is often needed.

Purchase of New Coffee Shop Equipment

New equipment can be expensive. Business loans to purchase much-needed equipment might be essential when a repair is not an option.

Food Costs

You might want to consider buying bulk non-perishable food items, and a business loan may be necessary depending on business needs.

Resources for Coffee Shops & Cafe's

Idea Cafe Small Business Grant Program - Idea Cafe are passionate about helping out fellow small business owners. Deserving entrepreneurs can apply for small business grants.

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advancepoint coffee shop owners

Why AdvancePoint Capital?

Experience – We’re familiar with the coffee industry and have been funding coffee shops and cafes for years. 

Trust – Excellent reviews and feedback from coffee shop small business owners. 

Loan Specialists – Experienced business funding specialists who know the coffee shop industry and can help you make good business decisions. 

No Obligation – No cost, no commitment quotes for your coffee shop or cafe. 

Products – A variety of business loan products that other lenders just don't have. We don’t just offer what we have; we deliver what’s available in the marketplace at a competitive interest rate. 

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Frequently Asked Questions

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