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£ 10,000 - £ 25,000£ 25,000 - £50,000Most popularMore than £50,000
From purchasing equipment and supplies to advertising your latest specials, your coffee shop depends on access to capital to operate, grow and thrive.
Our coffee shop funding services are designed specifically for cafés and similar businesses in need of flexible financing. Depending on your business’s size and needs, you can borrow from £10,000 to £300,000 in unsecured capital to help you run and grow your business.
Better yet, you won’t have to deal with the downsides of a typical business loan. Instead of a costly monthly repayment and hidden APR, you can repay your cash advance using a small, agreed upon percentage of your monthly credit and debit card sales.
Once we’ve approved your business, you can use your merchant cash advance to do any of the following things:
Advertise and promote your business. From local advertising to an online campaign, you can expand your reach, bring in new customers and increase your revenue.
Increase your working capital. If you’re struggling to pay your staff, suppliers and other creditors, a merchant cash advance can provide the working capital you need to run and grow your business.
Purchase new supplies and equipment. From coffee machines to tables, seating and kitchen supplies, you can stock your café with the items it needs for success.
Expand or refurbish your coffee shop. From building external facilities to expanding or refurbishing your seating area, you can make real improvements to your coffee shop for a better customer experience.
Purchase your coffee shop’s lease. Purchasing your lease lets you own your location and run a more profitable business.
Every business needs steady, predictable cash flow in order to operate, and your coffee shop or similar small business is no exception. Our coffee shop funding is designed to give you access to the cash flow you need to thrive, all without the disadvantages of a traditional bank loan.
Using our coffee shop financing, you can borrow from £10,000 to £300,000 in the form of a cash advance.
To pay back the amount of cash you access, we’ll take a small, agreed upon percentage of your coffee shop or similar small business’s credit and debit card sales until you’ve paid off the entire cash advance balance.
Instead of making a set, non-negotiable repayment every month, you’ll only pay a percentage of your revenue. This means that when business is good, you’ll pay back more; when business is slow, you’ll only need to repay a smaller amount of your total owed amount.
In simple terms, you’ll be able to repay your cash advance in a way that doesn’t hurt your cash flow, helping you focus on running your business instead of worrying about how you’ll be able to make each installment.
We offer coffee shop merchant cash advances ranging from £10,000 to £300,000, with the total amount that’s available to you based on the size and needs of your business.
To qualify, you’ll need to process at least £10,000 in credit and/or debit card transactions from your customers every month. Your business will also need to have a trading history of at least six months.
We’ll provide a dedicated funding advisor after receiving your application, helping you to move through the application and funding process with ease. If successful, you’ll receive the balance as a lump sum in your coffee shop or similar small business’s bank account.
To repay your cash advance, you’ll only ever pay the small percentage of your credit and debit card sales we’ll agree upon during the application process. There’s no hidden APR, expensive minimum installments or other annoyances to worry about.
This means that instead of focusing on repaying your loan, you can focus on running, growing and improving your business.
Barbers, beauty salons, vape stores, cafes and tearooms, along with restaurants and bars are the fastest growing retail sectors in the UK.
Get the inside scoop on Open Banking and discover the benefits for SMEs.
Cash advances are a common method of borrowing for individuals and for businesses in need of an instant, convenient source of cash flow.
One clear, all-inclusive fee for duration of the merchant cash advance. No admin charges. No interest. No late fees.
No Fixed term. Flexible repayment period depending on your sales (typically the advances are repaid in 5 to 10 months).
Flexible repayment amount depending on your business performance (you repay a % of your card sales)
No security required
No Business plan required
Approval Within 24 hours
Funding is made Within Days
Interest charged according to length of time loan is outstanding. Admin charges and late fees payable.
Fixed repayment period
Fixed repayments irrespective of underlying business performance
In most cases security is required
Business plan required always
Approval normally takes weeks
Funding usually takes weeks
