Business Loans for Cafe's & Coffee Shops

Get £3k to £300k within 24 hours

  • Pay back through your future card sales
  • Unsecured – there’s no worry
  • Same day funding in to your business
Apply Now

Quick Decision with No Obligation

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Supporting British Businesses

If you are a cafe's or coffee shop owner in the UK you are amongst the backbone of the UK small business economy. We have helped hundreds of small businesses up and down the UK over the last four years find the flexible business loan they need to grow their business. Securing a business loan for cafe is one of our most funded businesses. In fact we funded at least one cafe or coffee shop per week amongst many other businesses that we help.

We know many finance companies say the same old thing ‘we can help you grow’ or we ‘provide finance for your café's and so on. But we are different. We offer a product that is truly different to other types of business finance. You’ll be pleasantly surprised how much of a good fit this can be for your café business.

How does it work?

A business cash advance for a Cafe's & Coffee Shops is an innovative business loan product designed to work with your cashflow. It works by repaying the loan amount based on future card sales via your PDQ card terminal machine.

This can mean you pay back an agreed direct debit each month regardless of how your business has been operating. Another aspect to a cafe business cash advance is that your cash sales are not taken into account with the repayment – only sales which go through your card terminal are taken into account.

Let’s say for example you want to borrow £10k and you agree to pay back 20% or less on each sale, if you put £100 through your card machine £20 is repaid and £80 is yours – so you know where you are each day. If you have a quiet month you pay back less and if you are busy then you repay the advance quicker – the percentage always remains the same unlike other cafe business loans from the high street banks who offer a traditional line of funding.

The loan is also unsecured meaning you don’t have to secure against an asset such as property or other valuables – compared to conventional cafe business loans, it’s a very flexible and fair way to raise the capital you need for your business.

Funding your cafe in days, not weeks.

A merchant cash advance is a business loan for café’s of all sizes. We have helped many owners expand their business whether it’s growth, new premises, purchasing kitchen equipement such as coffee machines, refurbishment, marketing costs for websites and so on. In fact the money can be used for any purpose at all.

The application is quick too, you can have a decision within the hour and in most cases the funds are transferred to you within 1-2 days. The process is hassle free with the application form being online, there are no hidden costs or fees. We fund on average 90 – 95% of each full application made and can help even if you have a bad credit history.

We know you are busy running your cafe business and have kept the whole process as clear and easy to understand as possible. Apply through our online form and once you are approved you can make an informed decision with one of our team to help each step of the way.

Funding Britain's Small Businessses

We’ve helped 1000’s of businesses like yours get the funding they need for:

  • Training new staff
  • Purchasing new stock or equipment
  • Refurbishing the premises
  • Helping with cash flow
  • Recruiting new staff
  • Building a website
  • Advertising
  • Relocation
  • Emergency repairs
  • and much, much more!
Apply Now

Quick Decision with No Obligation

Need help? Give our friendly team a call today

0800 133 7868

Monday to Friday - 9am to 6pm