Coffee Shop Business Loans
Get up to £6000 funding within 24-48 hours
Running a coffee shop? Get up to £300,000 fast with Paymentsave Merchant Cash Advance to upgrade equipment, stock up, and grow hassle-free!
- Low Interest
- Low deduction
- Maximum time
- Multiple loan positions
Why Do Coffee Shops Need Funding?
Running a coffee shop is exciting, but it takes money to keep things running well and make customers happy. You need good equipment like coffee machines, grinders, and fridges to make sure everything works smoothly and your coffee tastes great. Stocking up on fresh coffee beans, milk, and pastries is important to meet customer demand. Expanding your space with extra seating, outdoor tables, or a cozy corner for remote workers can bring in more customers. Offering new things, like seasonal drinks, loyalty rewards, or tasty food, keeps customers coming back for more. Managing cash flow is also important for paying rent, bills, and unexpected costs, especially during slow times. Flexible funding gives you the support to do all of this, helping your coffee shop grow and succeed.
Smart Funding Options for Coffee Shops
Here are some tailored funding options to suit your coffee shop’s needs:
1. Merchant Cash Advance (MCA)
Receive upfront funding based on your daily card sales. Repay a small percentage of sales, ensuring payments adjust to your cash flow.
2. Equipment Financing
Spread the cost of new coffee machines, grinders, or kitchen appliances with predictable monthly repayments.
3. Short-Term Loans
Fast funding to cover immediate needs like supplies, menu launches, or staffing for busy weekends.
4. Business Lines of Credit
Flexible funds that you can dip into whenever needed. Pay interest only on what you use.
5. Inventory Financing
Spread the cost of stocking up supplies like beans, cups, or baked goods to prepare for busy seasons.
Comparison Table: Types of Restaurant Loans
| Loan Type | Funding Speed | Collateral Needed | Repayment Terms | Best For |
|---|---|---|---|---|
| Merchant Cash Advance (MCA) | 24–48 hours | No | % of daily card sales | Seasonal or variable sales |
| SBA Loans | Weeks/months | Yes | Fixed monthly payments | Low-risk, long-term projects |
| Equipment Financing | 2–7 days | Yes | Fixed payments (short-term) | Purchasing new equipment |
| Business Lines of Credit | Same day–1 week | Sometimes | Pay as you use | Handling cash flow gaps |
| Short-Term Loans | 24–72 hours | Sometimes | Fixed payments (short-term) | Immediate expenses or growth |
What is Merchant Cash Advance?
A Merchant Cash Advance (MCA) is a flexible funding solution designed for coffee shops that process card payments. Instead of fixed monthly repayments, you repay a percentage of your daily card sales. This means you pay more when business is booming and less during quieter times, giving you peace of mind when managing cash flow.
How Does MCA Work?
A Merchant Cash Advance is built to match your coffee shop’s cash flow, making it simple and stress-free. You’ll receive a lump sum upfront based on your average monthly card sales. Repayments are flexible and taken as a small percentage of your daily card transactions. This means you pay more when business is booming and less during quieter times. With no fixed payments, there’s no pressure during slower months—just a funding solution that works with your business.
Benefits of Merchant Cash Advances for Coffee Shops
Flexible Repayments
Pay back a small percentage of daily card sales, so repayments adjust with your business performance.
Quick Access to Funds
Get approved and receive funding between £3,000 and £300,000 in just 24-48 hours.
Get Funded in Just 24 Hours
Access funding quickly with streamlined approvals. Once approved, your funds—ranging from £3,000 to £300,000—can be in your account within 24 hours, so you can act fast on business opportunities.
Unsecured and Stress-Free
MCAs are unsecured, so your business assets remain safe. Approval is based on your sales history, not your credit score or collateral, making it a stress-free option for funding.
Keep 100% of Cash Transactions
Only card sales are used for repayment. Your cash earnings remain untouched, allowing you to manage cash flow effectively and without added strain.
No Hidden Fees
All costs are clearly outlined upfront. You’ll know exactly what you’re paying, with no hidden charges, confusing APRs, or surprises.
Apply Anytime
Submit your application online 24/7. With a quick and straightforward process, you can apply at your convenience and get a decision in hours.
How to Apply for a Restaurant Loan
Flexible Funding Solutions for Coffee Shops in the UK
The UK coffee shop industry is growing fast, with thousands of cafés serving millions of customers every day. From trendy coffee spots and takeaway stands to cozy local favorites, competition is tough, and customers expect great quality and service. To keep up, coffee shop owners need to invest regularly—whether it’s buying better equipment, creating seasonal menus, or adding more seating for customers.
Flexible funding can help you grab opportunities and solve problems as they come. For example, during busy times like Christmas, Valentine’s Day, or summer, you might need extra money to stock up on coffee beans, pastries, or supplies. You might also want to invest in energy-saving coffee machines or fridges to cut costs and improve service.
At PaymentSave, we understand how coffee shops work. Our Merchant Cash Advance gives you quick funding that matches your cash flow. You pay back a small percentage of your daily card sales, so you pay more when business is busy and less when it’s quiet. There are no fixed monthly payments, which means less pressure during slow times.
With fast approvals and funding in just 24–48 hours, you can take action right away. Use the money to upgrade your space, train staff, or market your coffee shop. There’s no need for collateral, and all costs are clear upfront—no hidden fees or surprises.
PaymentSave gives you the funding you need to grow, serve more customers, and stay ahead. With the right support, you can focus on what you do best—serving great coffee in a welcoming space.
FAQs About Merchant Cash Advances for Restaurants
You can borrow up to 150% of your average monthly card sales. For example, if you process £10,000 in card payments each month, you could borrow up to £15,000.
Repayments are taken automatically as a small percentage of your daily card sales. You pay more when sales are high and less when it’s quiet.
Yes! As long as you’ve been trading for at least 3 months and process regular card sales, you’re eligible.
No, all costs are clearly explained upfront. There are no hidden charges or surprises.
Get a Merchant Cash Advance quote today
- Low Interest
- Low deduction
- Maximum time
