This Is Why You're Here
Why Café / Coffee Shops Come to Us Instead of Their Bank
Your 8-year-old La Marzocca is pulling inconsistent shots. A new espresso machine is $18K. Every bad drink costs you a repeat customer worth $1,500/year.
You found the perfect second location — a corner spot with foot traffic. Build-out, equipment, and first 3 months of rent total $95K. Your first location proves the concept.
You want to add a food program — pastry case, prep kitchen, and a convection oven total $22K. It would increase average ticket from $5.50 to $9.00.
Your lease is up and the landlord raised rent $2K/month. You need $14K for first, last, and deposit at a better location two blocks away — plus $8K to move and reinstall equipment.
Your roaster just offered exclusive single-origin beans but requires a $6K upfront commitment for a 6-month supply. Your regulars would pay $1 more per drink for specialty coffee, but the cash isn't there right now.
Our espresso machine was pulling terrible shots — losing regulars every week. Basecamp got us $18K in equipment financing at 7.9% APR. New machine paid for itself in 4 months.
Sarah K., Coffee Shop Owner, Portland, OR
Café / Coffee Shop Financing
Get Your Café / Coffee Shop Business Funded in 60 Seconds
Slide the calculator to see your estimated approval range. Then answer 3 quick questions to lock it in. No documents needed. No credit impact.
See What You Could Qualify For
Slide to your average monthly bank deposits.
Estimated Approval Range
Based on 100-150% of monthly revenue
No hard credit pull · No obligation · Estimate only
Built for Your Business
Why Café / Coffee Shop Businesses Choose Basecamp
Your Espresso Machine IS the Business
An 8-year-old La Marzocca pulling bad shots loses you regulars worth $1,500 a year each. A $18K replacement isn't optional — it's the whole operation. We fund espresso machines at 5-14% APR with the equipment as collateral.
$5 Tickets Mean Razor-Thin Margins
When your average ticket is $5.50, every penny counts. Adding a food program bumps that to $9.00 — but the pastry case, prep kitchen, and convection oven cost $22K upfront. We fund food program launches in under a week.
High-Rent Locations Are Non-Negotiable
Coffee shops need foot traffic. Foot traffic means expensive rent. When you're paying $6K-$10K a month for a corner spot, a slow month can wipe you out. A line of credit gives you a safety net without giving up the location.
Second Locations Prove Your Brand
Your first shop works. But your bank wants 3 years of history before they'll fund location #2. That $95K build-out won't wait. We've funded coffee shop expansions through SBA in 3 weeks with just 18 months of operations.
What You're Up Against
The Real Challenges Café / Coffee Shops Face
Pricing Transparency
What Café / Coffee Shop Funding Actually Costs
Rates vary by credit, revenue, and time in business. These are typical ranges.
These are industry averages. Your actual rate depends on your revenue, credit profile, and time in business — it could be lower. Run your specific numbers in 30 seconds.
Calculate Your Real Cost →Coffee shop margins are razor thin — $5 average tickets mean you need volume and efficiency. When a $20K espresso machine upgrade increases your ticket speed by 30%, it pays for itself fast. We help cafe owners finance the equipment that actually moves the needle.
— Bobby Friel, Basecamp Funding - Founder
How It Works
From Application to Funded in 5 Steps
No paperwork avalanche. No bank lobby. No guessing.
60-Second Application
Answer a few quick questions about your business. No documents needed yet.
Soft Credit Check
We check your options with zero impact on your FICO. Your score stays untouched.
Lenders Compete Behind the Scenes
Your profile is matched to 70+ lending partners. They compete - you never hear from them directly.
One Specialist, Multiple Offers
Your funding specialist presents your best options. No spam calls. No runaround.
Pick Your Offer & Get Funded
Choose the rate and terms that fit. Sign digitally. Funds hit your account - same day available.
Café / Coffee Shop Capital Uses
What Café / Coffee Shop Businesses Use Funding For
Kitchen Equipment
Ovens, fryers, walk-ins, hood systems, POS systems. Upgrade without draining your cash reserves.
Payroll & Staffing
Cover payroll during slow weeks. Hire for the busy season. Retain your best staff year-round.
Renovation & Buildout
Dining room refresh, patio expansion, bar remodel, second location buildout.
Inventory & Food Costs
Stock up for busy season. Lock in bulk pricing from suppliers. Never run out of your best sellers.
Marketing & Promotion
Social media ads, Google Ads, delivery platform fees, grand opening campaigns, loyalty programs.
Second Location
Open a new spot, launch a ghost kitchen, or expand into catering. Scale without risking the mothership.
Full Transparency
What Kills Your Qualification (And What Doesn't)
Most lenders won't tell you this upfront. We will.
✅ These Won't Stop You
These Can Be Deal-Breakers
Need commercial insurance for your café / coffee shop business?
Most restaurant lenders require proof of business property and liability coverage. InsuranceService365.com covers restaurants across 29 states with same-day binding.
Don't Wait Until You Need Funding to Get Funded
68% of loan denials happen because of weak financials at time of application. The best time to apply is when your business is performing — not when you're scrambling.
Ready?
See What Your Café / Coffee Shop Business Qualifies For
Slide the calculator, answer 3 questions, and a specialist pulls your options within the hour.
See What You Could Qualify For
Slide to your average monthly bank deposits.
Estimated Approval Range
Based on 100-150% of monthly revenue
No hard credit pull · No obligation · Estimate only
Other Restaurants Specialties We Fund
Click any specialty for tailored financing options.
Recommended Products
Recommended Funding for Café / Coffee Shop Businesses
Working Capital
Cover payroll, rent, and food costs during slow seasons. Fund same day.
Learn More →Equipment Financing
Finance ovens, walk-ins, and kitchen equipment with the asset as collateral.
Learn More →Business Line of Credit
Draw funds for inventory and payroll, repay from weekend revenue.
Learn More →SBA Loans
Long-term financing for buildouts, renovations, and second locations.
Learn More →FAQs
Café / Coffee Shop Business Loan FAQs
Coffee Shop Loans & Café Business Financing — $10K to $5M+
Your espresso machine is pulling inconsistent shots. Your regulars are noticing. And that $18K La Marzocca replacement? Your bank wants to schedule a meeting next month to discuss it. Meanwhile you're losing customers worth $1,500 a year each. We connect you with 70+ lenders who fund coffee shops and cafes. Equipment financing at 5-14% APR. The machine is the collateral. Funded in days, not months.
But it's not just equipment. You want to add a food program — pastry case, prep kitchen, convection oven, $22K total. That bumps your average ticket from $5.50 to $9.00. Or maybe you've found the perfect corner spot for location #2. Build-out, equipment, and 3 months of rent — $95K. Your first shop proves the concept. We've funded $18K espresso machine upgrades in 5 days. $95K second locations through SBA. $22K food program launches in a week. One application, 60 seconds, no credit impact.
Stop Waiting on Banks. Get Your Café / Coffee Shop Business Funded Today.
60 seconds. No credit impact. No obligation.
See What You Qualify For →No hard credit pull · Free to check · Nationwide