Working Capital for Coffee Shops & Cafés
Independent coffee shops and cafés compete against national chains on atmosphere, quality and speed, all of which depend on reliable equipment and enough staff behind the counter during the morning rush. Working capital lets café owners fix a broken espresso machine, restock beans and dairy, or open a second location without disrupting daily service.
Approval in as little as 24 hours after you apply, with funds sent as soon as the next business day, so coffee shops & cafés never wait on a bank.
Fixed daily or weekly payments sized to your sales, not a balloon due date. A malfunctioning espresso machine or grinder during the morning rush can turn away the customers a café depends on most.
Funding is a purchase of your future receivables, so you are not pledging equipment, property or personal assets. Rent, payroll and coffee bean costs are due every month regardless of whether foot traffic is strong or slow that week.
One approval, draw what you need, and return for additional funding as your coffee shops & cafés business performs. Opening a second location or adding a drive-through window requires a large upfront investment months before the new site produces any revenue.
Replace or repair espresso machines, grinders and refrigeration before they cost you customers.
Fund buildout, permits and opening inventory for a new café location.
Keep beans, dairy and pastry supply steady even when weekly sales fluctuate.
Yes, café owners regularly use working capital toward buildout costs, lease deposits and opening inventory for a new location. Funding is based on your existing shop's revenue, not a business plan for the new one.
Repayment is structured as a fixed daily or weekly amount, and Paz reviews your actual revenue pattern during underwriting. Many café owners still qualify even with slower winter or summer stretches.
A coffee shop generally needs at least six months in business and $10,000 or more in monthly revenue. Most approved cafés qualify for funding based on recent bank statements, not collateral.
Paz funds coffee shops & cafés from $2,500 to $5,000,000. Most coffee shops & cafés qualify for $15,000 - $100,000, based on monthly revenue and time in business rather than collateral.
A US business that has operated for at least six months with $10,000 or more in monthly revenue, your last three months of bank statements and your EIN. The application takes about five minutes, and there is no hard credit pull to get pre-qualified.
Coffee Shops & Cafés funding, approved in as little as 24 hours