Business Loans for Cafe'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
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Quick Decision with No Obligation

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Supporting British Businesses

Financing your coffee shop or cafe business

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.

Works with your existing PDQ card machine

Works with your card sales

Unlock funding from £3,000 up to £300,000 against your customer card sales.

Flexible repayments - repay when you sell

Flexible repayments

Automatically repay a small percentage when customers purchase by card – There are no fixed payments.

Unsecured finance - No asset security required

No asset security required

The advance is unsecured, so your business assets are safe.

Keep 100% of cash transactions

Fast funding

A quick decision and process mean you can access your money in just 24 hours* after approval.

No hidden costs

No hidden costs

The cost of the finance is made clear to you upfront. There are no hidden costs, confusing APR’s or other nasty charges.

Apply online 24 hours a day 7 days a week

Apply online 24/7

Apply at any time - We can process your application 24 hours a day.

Apply Now

Quick Decision with No Obligation

Merchant Loan Advance Customer Reviews - ExcellentMerchant Loan Advance Customer Reviews - ExcellentMerchant Loan Advance Customer Reviews - Excellent

Fast coffee shop funding in days, not weeks

We offer specialist business loans for cafes and coffee shops using our merchant cash advance product. On this page, you can understand how the product could be the right fit for your business.

As a cafe or coffee shop owner in the UK, your business makes-up the backbone of the UK's small business economy. You've experienced tough economic times recently, and, like so many other UK small business owners, you've had to adapt quickly to new challenges.

During these times of change for your business, we offer the funding you need to thrive and grow. If you are adapting your business model and looking to refurbish your coffee shop, buy new equipment, facilitate a delivery service, improve your online presence, or simply need money for cash flow, we can help.

According to Statista, the UK coffee shop market's growth is increasing year-on-year, with 25,486 coffee outlets reported in 2019. This figure consists of independent coffee shops, branded coffee chains such as Costa and Starbucks and other non-specialists businesses. With these statistics in mind, it is clear that you need to retain the competitive advantage on the high street over your competitors. Staying ahead with your marketing, service offerings, new products and safe environments for your customers - it all takes money.

At MLA, we're proud to have helped hundreds of small businesses across the UK find the funding they need to grow. Many of our core customers are, in fact, coffee shops and cafes. The merchant cash advance product has worked for them in scaling their business or, in some instances, giving them a helping hand with some immediate cash flow requirements. What's more, many of our customers come back for more funding as the whole process is quick, simple and hassle-free.

We know you are busy running your cafe business and have kept the whole process as quick, simple and clear as possible. Apply through our online form, and once you are approved, you can make an informed decision. Our team is always on-hand to help each step of the way and can answer any further questions you may have.

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Quick Decision with No Obligation

Business Loans for Cafes and Coffee Shops - Owner taking card payment from customer

How can I spend my coffee shop business loan?

  • Buying instead of renting equipment for your coffee shop or cafe
  • Funding for professional espresso machines
  • Industrial coffee bean grinder
  • Refrigeration systems
  • Ovens, toasters, and devices used for cooking
  • Freezers and cold product storage
  • New or upgrading POS systems
  • Takeaway/home delivery services such as vehicles, staff and online ordering apps
  • Invest in coffee shop hygiene and cleaning equipment
  • Refurbishments, renovations and extensions
  • Purchase stock including food, cakes, snacks, drinks and coffee mugs
  • Use your loan for an emergency fund - repairs and more
  • Build a new website and marketing
  • Help with cash flow, ensure wages and bills are paid on time
  • Hire new staff such as baristas, waiters, waitresses and managers

A coffee shop business loan is a form of finance designed for cafés, coffee shops, tea rooms, sandwich shops and any other kind of establishment that sells food and beverages. This type of unsecured business finance can be used for many purposes, including purchasing coffee and kitchen equipment, hiring skilled baristas or buying new chairs and tables.

A merchant cash advance, otherwise known as a business cash advance, is an innovative business loan product designed to work with your cash flow. It works by repaying the loan amount based on your future card sales - taken via your PDQ merchant card machine.

It means you repay the loan with an agreed percentage on each future card transaction. This is where it differs from a bank loan, whereby they expect you to repay a fixed amount each month regardless of your business performance.

Another aspect of this form of funding is that your cash sales are not taken into account with the repayments - only sales which go through your card terminal are taken into account. So, your cash sales are 100% yours and are separate.

For example, you want to borrow £10k and agree to pay back 20% on each card sale. If you put a £100 transaction through your card machine, £20 is repaid as the sale goes through, and the £80 is yours - so you know where you are each day. If you have a quiet day, you pay back less, and if you are busy, you repay the advance quicker.

This type of business loan is also unsecured, meaning you don't have to secure against an asset such as your property or other valuables. Compared to other more conventional business loans, it remains a very flexible and fair way to raise the capital you need for your cafe or coffee shop business.

We have helped many owners expand their business, whether it's growth, new premises, purchasing kitchen equipment such as coffee machines, refurbishment, marketing costs for websites and so on. In fact, the money can be used for many purposes.

The application is quick. 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. You can help speed up the process by having your last three months card merchant statements and your latest bank statements to hand. Once you’ve had an initial quote, these statements will be required for the lender to make a final decision. Get them ready too, and the process will be even quicker!

Yes, don’t let the fact that you may have a mark against your credit score put you off from making an application and talking to us. We have helped lots of businesses with a poor credit history find the funding they need.

With standard forms of business borrowing, you may be faced with requiring a business plan. Whilst having a business plan is a ‘great to have’, in many cases, business owners who know what they want don’t need the hassle of having to draw one up. At MLA, we know that you know your business inside out. The best part is you don’t need to have a business plan to take out a cash advance - it’s simply not required.

This is for you to consider carefully. In many cases, business owners choose to rent a coffee machine or rent other coffee shop equipment. They believe the initial outlay is quite expensive. However, you can use our funding product to buy the equipment outright, which means you can negotiate on purchase costs with your supplier and agree cheaper prices - saving you money in the long-term.

Yes, we can help businesses with a loan to open a cafe or coffee shop, but only if you are already trading. For example, if you are looking to buy and open an additional cafe. If you are a start up and not trading yet, using a business finance broker like Capalona can help you find the right funding.

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Quick Decision with No Obligation

Funding Britains Small Businesses

"We have helped many coffee shops across the UK receive funding to grow"

£20+ Million
Total Funded to Businesses

Application Approval Rate

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It's as easy as 1-2-3!

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.

Step 1 - Apply online in minutes


Apply online in minutes

Apply online for a cash advance from £3,000 up to £300,000 for any business purpose.

Step 2 - Get funded in 24 hours


Get funded in 24 hours*

The merchant cash advance can be with you in as little as 24 hours* after approval.

Step 3 - Pay back only when you sell to your customers


Repay only when you sell

You simply pay back a small percentage of your future card sales as they happen. You only repay when you sell.

Apply Now

Quick Decision with No Obligation

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