Business Loans for Cafes and Coffee Shops

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Best Business Loans for Cafes and Coffee Shops

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

Coffee shop financing options can be a tricky process. Traditional lenders view coffee shop business loans as risky, which means qualifying for loans is a severe burden. These lenders won’t give coffee shop loans out to just anyone; they’ll likely require a candidate with a great credit score, robust business plan, and significant amount of assets in business. Some could even ask you about your relevant hospitality experience as well.

AdvancePoint Capital offers the best financing options that you can take advantage of to get the funding you need through various products.

AdvancePoint Capital has been experienced in loans for coffee shops for years and can help you access the best alternative business lending products. We understand the difficulties of operating a coffee shop and the need for business funding to support it. Our job is to provide the best business funding products to you to run your business 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

Short-Term Business Loan for a California Small Business icon

Short-Term Small Business Loans for Cafes and Coffee Shops

Business Line of Credit

Business Line of Credit for Cafes and Coffee Shops

Equipment Financing for a California Small Business

Equipment Financing Loans for Cafes and Coffee Shops

SBA Loan

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

Merchant Cash Advance for a California Small Business

Merchant Cash Advance for Cafes and Coffee Shops

Invoice Financing

Business Credit Cards for Cafes and Coffee Shops

Benefits of Coffee Shop Financing

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 of the business and stabilize cash flow. From working capital to seasonal needs, coffee shop funding is a sound option.

Business 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 small business 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 financing 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. Coffee shop financing 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 a coffee shop loan that improves kitchen equipment and costly parts is often needed.

Purchase of New Coffee Shop Equipment

New equipment can be expensive. Loans for coffee shops 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 loans may be necessary depending on business needs.

Apply For Your AdvancePoint Loan Today!

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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. 

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

Products – A variety of business loan products. We don’t just offer what we have; we deliver what’s available in the marketplace. 

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Frequently Asked Questions

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