Funding for Coffee Shops & Bakeries
Coffee shops and bakeries are built on small, daily, card-heavy sales — exactly the revenue pattern a merchant cash advance follows. Remittance moves with your batch totals: lighter in a slow week, heavier when the line is out the door.
A coffee shop lives and dies on equipment and rhythm. The espresso machine is the whole business, the oven schedule starts at 3 a.m., and your margin is made one cup at a time. When the La Marzocco needs a rebuild or the deck oven quits in December, you cannot wait six weeks for a bank committee. Broadway works off what your shop actually does: one short form, three months of bank statements, a soft credit pull, and a same-day decision. Funding can land in as little as 24 hours, and equipment financing covers up to 100% of the cost of a new machine. An advance costs more than bank money — but a dark espresso machine costs more than either.
The challenge
Most of your revenue rings up before noon, and all of it runs through the card reader in four-dollar increments. One broken espresso machine, one dead proofer, one slow month after the holidays, and the math gets tight fast.
How Broadway Advance helps
Coffee shops and bakeries are built on small, daily, card-heavy sales — exactly the revenue pattern a merchant cash advance follows. Remittance moves with your batch totals: lighter in a slow week, heavier when the line is out the door.
What owners use it for
- Replace or rebuild an espresso machine, grinder, or deck oven before it takes the shop down with it
- Cover payroll through the post-holiday slump in January and February
- Build out a second register, pickup window, or small seating expansion
- Buy beans, flour, butter, and packaging in bulk when supplier pricing is right
- Bridge the gap while a new location ramps from soft open to steady traffic
- Add a display case, refrigeration, or POS upgrade without draining the operating account
See your real number in about five minutes.
Apply nowFunding options that fit coffee shops & bakeries
Merchant Cash Advance
Immediate cash today in exchange for a small slice of future sales.
Up to $2,000,000 →Equipment Financing
Buy the equipment you need; the equipment itself secures the deal.
Up to 100% of equipment cost →Business Line of Credit
A revolving cash reserve you only pay for when you draw on it.
Flexible limits →Coffee Shops & Bakeries funding questions
My shop does solid volume but it's all small tickets. Does that hurt my application?
No — it usually helps. Underwriters on a merchant cash advance care about consistent deposits, not ticket size, and a shop ringing up hundreds of small card sales a day shows exactly the steady daily revenue they want to see. Broadway reviews three months of bank statements, so what matters is that your batches land regularly. A high-volume, low-ticket shop often reads as lower risk than a business with a few big, lumpy payments.
Should I use an advance or equipment financing for a new espresso machine?
If the purchase is the machine itself, equipment financing is usually the better tool — Broadway can finance up to 100% of the cost, the machine serves as collateral, and the pricing is generally lower than an advance. An MCA makes more sense when you need flexible working capital fast: a repair plus payroll plus inventory all at once. Plenty of owners use both. Tell us what the money is actually for and we will match the program.
January is always brutal for us. How does repayment work in a slow month?
That is the main reason card-heavy shops pick an MCA over a fixed loan payment. Remittance is tied to your sales, so a slow January means smaller remittances and a busy May means larger ones — the advance just takes longer to retire in a slow stretch. Be honest with yourself about the trade-off: you pay more for that flexibility than you would on bank debt. If your revenue were perfectly even, a term loan would be cheaper.