Business Loans for Café's & Coffee Shops
Get £3k to £300k in 24 hours*
- Pay back through future card sales
- Unsecured – there’s no worry
- Same day business funding
Quick Decision with No Obligation
Get £3k to £300k in 24 hours*
Quick Decision with No Obligation
Owners of highstreet (or mobile!) coffee shops and cafes can now access a fast, flexible, unsecured business loan without the lengthy process. Whether you need the cash to support your cash flow, buy new stock or renovate your store, we can help by turning your customer card sales into working capital.
Unlock funding from £3,000 up to £300,000 against your customer card sales.
Automatically repay a small percentage when customers purchase by card – There are no fixed payments.
The advance is unsecured, so your business assets are safe.
A quick decision and process mean you can access your money in just 24 hours* after approval.
The cost of the finance is made clear to you upfront. There are no hidden costs, confusing APR’s or other nasty charges.
Apply at any time - We can process your application 24 hours a day.
Quick Decision with No Obligation
The UK’s love affair with coffee shows no signs of slowing down. According to Statista, there are now over 11,400 coffee shops across the country, from high-street chains like Costa and Starbucks to thousands of independent cafés that bring character and community to local areas.
As a café or coffee shop owner, you’re part of a thriving but competitive industry, one where consistency, quality, and creativity matter more than ever. Whether you’re responding to rising costs, new customer trends, or the need to stand out on the high street, keeping your business growing often comes down to one thing: access to the right funding. That’s where we can help.
At Merchant Loan Advance (MLA), we offer fast, flexible funding tailored specifically for cafés and coffee shops through our merchant cash advance. It’s a modern alternative to a traditional business loan and is perfect for businesses that take customer card payments, like yours. You receive a lump sum upfront and repay it through a small, agreed percentage of your daily card sales. So, when sales are slower, you repay less; when business picks up, you repay faster.
You can use the funding for almost any purpose, from refurbishing your coffee shop, upgrading equipment, hiring staff, or boosting your marketing, to simply managing cash flow during quieter periods. Many café owners choose MLA because the process is quick, hassle-free, and designed around how your business actually works.
We’ve already helped hundreds of UK cafés and coffee shops access the funding they need to thrive. Apply online today and see how much your coffee shop or café could borrow in minutes.
Apply NowQuick Decision with No Obligation
A coffee shop business loan is a type of funding designed specifically for cafés, coffee shops, tea rooms, and other food and beverage outlets. The funding can be used for almost any business purpose, from buying new coffee machines and kitchen equipment to refurbishing your space, hiring skilled baristas, or managing day-to-day cash flow.
A merchant cash advance (or business cash advance) is a flexible funding solution tied to your card sales, designed to adapt to your café or coffee shop’s cash flow. Unlike a traditional loan with fixed monthly repayments, you repay a small percentage of your future card sales processed through your PDQ machine, while cash sales remain entirely yours.
For example, if you borrow £10,000 and agree to repay 20% of each card sale, a £100 transaction would contribute £20 toward the advance, leaving you with £80. On quieter days, your repayments are smaller, and on busier days, you pay back faster, so the repayment adapts naturally to your business performance.
The advance is unsecured, meaning you don’t need to use business assets as collateral. It can be used for almost anything your coffee shop needs, whether that’s expanding your café, purchasing new kitchen equipment like coffee machines, refurbishing premises, marketing, developing a website, or simply helping with short-term cash flow.
You could receive funding in as little as 24 hours* after approval. The online application is quick and straightforward, taking just a few minutes to complete. Unlike traditional bank loans, there’s no long-winded paperwork or waiting weeks for a decision, making it a fast, hassle-free way to get the finance your coffee shop needs to grow.
Yes. Even if your business or personal credit isn’t perfect, you can still apply. The funding is based on your card sales rather than your credit history, making it accessible to many coffee shop owners who have successfully secured a merchant cash advance despite past credit issues.
No. Unlike traditional lenders, a business plan isn’t required to apply for a merchant cash advance. The process is quick and based on your card sales, not paperwork.
Yes, we can help you access funding to open a new café or coffee shop, provided your business is already trading. For instance, if you’re looking to expand and open an additional location, you may be eligible for a merchant cash advance.
Getting a business loan for your coffee shop is simple with a merchant cash advance. Here’s how it works:
1. Complete the online application
Fill out our quick online form with basic details about you, your business and card sales.
2. Provide your documents
For the lender to make a final decision, you’ll typically need your last three months of card merchant statements and your latest bank statements.
3. Receive a quote
Once your details are reviewed, you’ll get a no-obligation quote outlining the advance amount and repayment terms.
4. Get approved and funded
After approval, funds can be transferred to your account in as little as 24 hours*, giving you quick access to the money you need.
Ready to get funding? Apply online today.
Quick Decision with No Obligation
"We have helped many coffee shops across the UK receive funding to grow"
£20+ Million
Total Funded to Businesses
90%
Application Approval Rate
The process is fast, simple and straightforward. It's hassle-free, meaning there's no complicated paperwork to complete so you can focus on growing your business.
Apply online for a cash advance from £3,000 up to £300,000 for any business purpose.
The merchant cash advance can be with you in as little as 24 hours* after approval.
You simply pay back a small percentage of your future card sales as they happen. You only repay when you sell.
Quick Decision with No Obligation
