Working capital for cafés and coffee shops.
Whether it's a new espresso machine or bean orders for the morning rush, you need funding that keeps pace with your line out the door. Serving cafés and coffee shops across Louisiana and Texas.
We know how cafés & coffee shops really run.
Financing built around your industry's real cash-flow rhythm — not a one-size-fits-all bank box.
The pressure points we solve
The cash-flow squeezes we hear about most — and the fair fix for each.
The squeezeA dead espresso machine stops every sale.
The fair fixFast funding to replace grinders and espresso machines so the morning rush never stalls.
The squeezeBank paperwork drags on for weeks.
The fair fixFar less paperwork than a bank, with a decision in 24 to 48 hours and a real human guiding you.
The squeezeBean and dairy prices swing hard.
The fair fixWorking capital to lock in bulk buys when prices are right, on fixed and predictable payments.
What cafés & coffee shops owners use it for
Put the capital where it moves the needle most.
Espresso machines & grinders
Bulk bean & dairy orders
Pastry cases & fridges
Café furniture & patio
POS & mobile ordering
Storefront renovations
What it takes to qualify
Most operators here use business capital — but if you're financing property or equipment, that path qualifies differently.
Business Capital
- Operating at least a few months under current ownership
- Roughly $17,000+ per month in business revenue
- Personal credit around 575+ on most programs
- Not over-extended on existing cash advances
- Bank statements usually enough to start — no tax returns to check options
Real Estate & Assets
- Credit generally 620+ (some programs start lower)
- Equity or down payment — up to ~80% loan-to-value
- The property's income covers the payment (DSCR programs)
- No tax returns required on most DSCR programs
- Entity docs, insurance, and a purchase contract or payoff statement
Guidelines are typical ranges across our lender network, not a commitment to lend — every deal is reviewed individually.
Ready to fund your cafés & coffee shops business?
Two minutes, no obligation, no credit impact. Or call (337) 344-9939.
