Industry expertise
Business Loans Built for Coffee Shops and Cafés
From replacing a broken espresso machine to opening a second location, TrustFi offers coffee shop business loans that move as fast as your morning rush.
- Applying will not impact your credit score
- Funding decisions in as little as 24 hours
- A dedicated funding specialist, not a call center
- Businesses funded
- 10,000+Businesses funded
- In funding secured
- $500M+In funding secured
- Industries served
- 50+Industries served
Why it's different
Funding built around how coffee shops & cafés actually run
A commercial espresso machine can cost as much as a used car, and when it breaks during the morning rush, every minute it's down is lost revenue that doesn't come back. Coffee shops run on thin margins per cup, and wholesale bean and milk pricing can shift quickly enough to squeeze a budget that was already tight. Foot traffic often dips in summer when iced drinks alone can't replace the volume of a cold-weather latte crowd, and rent for a good corner location rarely comes cheap.
TrustFi helps coffee shops and cafés fund what keeps the counter moving: a replacement espresso machine, grinders, walk-in refrigeration, a buildout for a second location, or the working capital to get through a slow month without cutting staff hours. Applying takes under 10 minutes and won't affect your credit score, and our 2-hour response guarantee means an equipment breakdown doesn't have to mean days of lost morning-rush revenue while you wait on a decision.
What we hear
The cash-flow pressures you know too well
Costly Espresso Equipment Breakdowns
A commercial espresso machine or grinder failure during the morning rush can shut down your highest-revenue hours of the day. Repairs and replacements are expensive, and every hour without a working machine means lost drink orders that don't come back later.
Thin Margins on Every Cup
Per-drink margins are already tight once rent, labor, and cup costs are factored in, and rising wholesale prices for beans and milk can eat further into that margin without warning. A shop needs cash flow flexibility to absorb supplier price increases without raising prices overnight.
Seasonal Foot Traffic Swings
A cold-weather latte crowd can shrink in summer when iced drinks alone don't bring in the same order volume, and college-town shops can see traffic drop off when students leave for break, so working capital helps smooth staffing and inventory costs through predictable slow stretches.
Expensive Buildouts and Lease Costs
Opening a second location or renovating a café means plumbing for espresso equipment, custom counter space, and a lease deposit, all before the first coffee is sold. These upfront buildout costs are often the single biggest barrier to expanding a growing coffee brand.
Where the money goes
What coffee shops & cafés use funding for
- Replace a broken espresso machine or grinder
- Build out or renovate a second café location
- Stock up on beans and milk before a price hike
- Cover payroll through a slow summer stretch
- Upgrade walk-in refrigeration or a POS system
- Fund a lease deposit for a new spot
Our recommendation
Funding options that fit coffee shops & cafés
Based on how businesses in your sector earn and spend, these three structures tend to work best.
- Option 1
Merchant Cash Advance
Repayment tracks a percentage of daily card sales, so a slow summer week costs less than a packed Saturday morning, a fit for a shop where revenue runs through the register all day.
How it works - Option 2
Business Line of Credit
Draw funds to cover a slow stretch or restock beans before a price increase, then pay it back down once foot traffic picks back up, flexible for a seasonal business.
How it works - Option 3
Business Term Loans
A fixed lump sum with a set repayment schedule suits a planned purchase like a new espresso machine, walk-in cooler, or full buildout for a second location.
How it works
Getting started
Three steps, no runaround
- 1
Tell us your story
Share a few details about your business and what you need the capital for. It takes under 10 minutes and never touches your credit score.
- 2
Review your options
A specialist reviews your file and comes back with clear, side-by-side options — real numbers, plain English, no pressure.
- 3
Fund your future
Pick the option that fits. Once you approve, funds can reach your account in as little as 24 hours.
Client stories
We're proud to be part of their journey.
The success of our clients is our greatest reward — 350+ five-star Google reviews and counting.
TrustFi was fantastic to work with on our business capital funding needs. They were professional, efficient and provided the best customer service experience I've had in this industry. We will continue to partner with TrustFi on our funding needs going forward. Highly recommend!
MMaria O. My experience with Griffin Ferro and his team at TrustFi was fantastic. He was able to get me funding in one day. Griffin's communication was awesome. He made sure I knew what was going on every step of the way. He took the time to make sure I completely understood all the aspects of the transaction.
JJohn Highly recommend and a great experience. Gary had our best interest in mind, with professionalism, dedication and care. They really supported our business needs. Great customer service as well!
TTim F.
How fast can I get financing to replace a broken espresso machine?
TrustFi offers a 2-hour response guarantee and funding in as little as 24 hours for qualifying applications. A dead espresso machine during the morning rush is exactly the kind of urgent cost this speed is built for, so you're not losing days of your highest-traffic hours waiting on a decision.
Can financing help open a second café location?
Yes. A term loan works well for a planned buildout, covering costs like plumbing for espresso equipment, counter construction, and a lease deposit before your second location opens its doors. Because the payment schedule is fixed upfront, you can plan around it alongside your existing shop's cash flow.
Does my coffee shop need to be open year-round with steady traffic to qualify?
No. TrustFi understands that many cafés see real seasonal swings, from a summer dip in hot-drink sales to a slowdown near a college campus during breaks. We look at your overall business performance rather than a single slow month, so a strong regular season can support financing even in quieter stretches.
Is a merchant cash advance a good fit for a coffee shop?
It can be. A merchant cash advance repays as a percentage of your daily card sales, so payments scale down naturally during a slow week and up during a busy one. Since most coffee shop revenue moves through the register throughout the day, repayment tends to track how the shop is actually performing.
What can coffee shop business loans be used for?
Common uses include replacing espresso machines and grinders, upgrading refrigeration, building out or renovating a space, restocking beans and milk ahead of a price increase, and covering payroll during a seasonal slowdown. TrustFi structures funding around what your shop actually needs, not a one-size-fits-all repayment plan.
Will applying for financing affect my credit score?
No. Applying does not impact your credit score, and the application takes under 10 minutes. You can see what you may qualify for and compare it against other options before deciding whether to move forward, without putting your personal or business credit at risk in the process.
Funding for coffee shops & cafés, without the runaround.
Apply in under 10 minutes. A specialist who understands your sector will walk you through the options within two hours.
- Applying will not impact your credit score
- Funding decisions in as little as 24 hours
- A dedicated funding specialist, not a call center
- Transparent terms with no hidden fees