Espresso machines and grinders
Dual-group espresso machines, grinders, brewers, and cold-brew towers. Fund the equipment that decides how many drinks your bar can push.
Funding for business owners
Coffee shop financing & working capital for mornings that never miss.
Your 7 AM rush doesn’t care about a bank committee’s calendar — and neither do your espresso machine, your roaster, or your baristas’ paychecks. If the banks offered a template that didn’t fit a café and the brokers shopped your application around without answers, your search ends here.
Business-purpose funding. Subject to underwriting, verification, and program availability.
What are you funding?
Roasters and wholesale
In-house roasters, bagging, and the green-bean inventory to sell wholesale. Fund the roastery that turns your café into a brand.
Build-out and second location
Lease, construction, plumbing, and permits for a new café or a second shop. Fund the buildout while your first location keeps pouring.
Daily operations
Beans, milk, payroll, and rent through slower afternoons. Working capital keeps the drinks flowing even when foot traffic dips.
Why coffee shop owners work directly with Logic Advance
A direct funding partner, not a middleman
You deal directly with the Logic Advance team — the people who review your application and stand behind your funding. Funding marketplaces shop your application to dozens of strangers; here, one team knows your name and your café. If you’ve been bounced between banks and brokers, that ends today.
We understand how coffee shops actually get paid
Morning rushes, catering trays, wholesale bean accounts, and subscription sales don’t fit a bank’s template. We fund around a coffee shop’s real cash flow — the drinks you serve and the revenue on its way.
Decisions in as little as 4 hours
A short application, a fast review, and funding as fast as same day. Simple, seamless, and built around your café — not a bank’s calendar.
Three simple steps to funding
Step 1: Tell us what you need
A short application that takes minutes — no obligation, no endless paperwork. Just tell us about your business and what you’re planning.
Step 2: Get your decision fast
Our team reviews your application and you can have a decision in as little as 4 hours. You’ll know exactly what you qualify for before you need it.
Step 3: Get funded and get back to business
Funding as fast as same day — then it’s back to the bar, with new equipment humming, your team paid, and your regulars never waiting.
Compare coffee shop financing options
| Option | How it works |
|---|---|
| Equipment financing | An equipment financing option can suit espresso machines, grinders, roasters, cold-brew systems, and POS. |
| Business line of credit | A business line of credit may help smooth bean and milk bills and slower seasonal weeks, subject to available credit and account terms. |
| Term funding | A term funding option may fit a defined project such as a buildout or a second location. |
| Merchant cash advance | A merchant cash advance is a different funding structure based on future receivables — it funds your café’s operations. |
Compare total cost, payment collection, and timing against your daily revenue before deciding. The products available to your business depend on review.
Build a practical coffee shop budget
Illustration: $28,000 for a dual-group espresso machine and grinders, $22,000 for a small-batch roaster, $30,000 for a second-location buildout deposit, and a $15,000 operating reserve total $95,000. If the owner can contribute $20,000 without using essential operating cash, the remaining planning gap is $75,000 before financing fees or other costs. This is a budgeting example, not an offer.
Confirm what can be financed and what must be paid upfront. Keep daily sales and wholesale-account records organized so underwriting can see the revenue behind the request.
Starting requirements and documents
Logic’s published guidelines start at $25,000 in monthly business revenue. MCA and line-of-credit guidelines start at six months in business; equipment and term-funding guidelines start at one year. Credit requirements and additional conditions differ by product. Meeting a minimum does not guarantee approval.
Prepare a signed application and four recent, complete business bank statements.
List current funding or advances, remaining balances, and payment schedules.
Explain the amount requested, its business purpose, and your desired timing.
Have identification, ownership details, and any additional records ready when requested through the approved channel.
Review the current product requirements and our bank statement preparation guide.
Prepare the details behind your request
For equipment requests, keep the vendor quote and any installation estimates available. For a buildout, prepare the lease and contractor bids. Restaurant owners face similar kitchen equipment and buildout decisions — see our restaurant funding guide.
Compare the offer, not just the payment
Request the net amount your business will receive, total payment or remittance obligation, all fees, payment frequency, and expected duration. Review liens, guarantees, early-payment treatment, and any reconciliation provisions. A factor rate on an MCA is not APR.
Use our side-by-side funding offer guide and daily versus weekly payment guide to organize the details before deciding.
Explore other business funding guides
Browse all industry funding guides or compare funding products.
“Picture your café with new equipment humming, your roastery running, and cash flow that never decides which upgrades you can afford.”
Questions business owners ask
What is coffee shop financing?
Coffee shop financing is business funding designed around how cafés operate — espresso machines and grinders, roasters, build-outs, and the working capital to cover beans, milk, payroll, and rent. It can take the form of equipment financing, a business line of credit, term funding, or a merchant cash advance, depending on your project and what you qualify for.
Can I get financing for coffee shop equipment?
Espresso machines, grinders, brewers, cold-brew towers, small-batch roasters, and POS are all commonly funded equipment. Equipment financing is typically secured by the equipment itself, which can make it more accessible than unsecured options.
How much does it cost to finance opening a coffee shop?
Every café is different, but owners typically plan for the espresso setup, lease costs, build-out, permits, and a working-capital reserve to carry the shop until foot traffic is steady. The budget example above shows how to separate one-time costs from the reserve before you apply.
Can coffee shop financing cover a roaster and wholesale?
Many cafés use funding to add in-house roasting: a small-batch roaster, bagging, and the green-bean inventory to sell wholesale to offices and grocery accounts. Wholesale turns your café into a brand — and a second revenue stream.
What documents does a coffee shop need to apply?
Prepare a signed application and four recent, complete business bank statements. For equipment, add the vendor quote; for a buildout, add the lease and contractor bids. Additional records, identification, and ownership information may be requested.
How fast can a coffee shop get funded?
With a complete application, coffee shop owners can get a decision in as little as 4 hours and funding as fast as same day. Apply directly to Logic Advance — no obligation.
How is a direct funder different from a funding marketplace?
Marketplaces send your application to many different companies, and you may never know who is deciding. With Logic Advance you work directly with one team — the people who review your application and stand behind your funding. One conversation, one decision, no being passed around.
Take the next step with Logic Advance
Picture your café with new equipment humming, your roastery running, and cash flow that never decides which upgrades you can afford. That’s what working with a direct funding partner feels like. A short application, a decision in as little as 4 hours, and funding as fast as same day — simple and seamless from start to finish. Your search ends here — start your application now or talk with our team. No obligation.
Business-purpose funding. Subject to underwriting, verification, and program availability.
These pages explain funding considerations and starting guidelines, not a funding offer. Product availability, amounts, costs, security requirements, and timing depend on the specific program and your business.