Coffee Shop Business Loans

Simple application. Simple process.

Coffee shop business loans can help keep the java flowing.

Balboa Capital is ready to take your order if you need funding for your coffee shop. We are a small business lender that offers coffee shop business loans with competitive rates. You can use your loan for any daily business need your coffee shop has, such as barista payroll, marketing, and taxes. And, let us not forget coffee beans, milk products, cups, lids, to-go trays, and other related inventory.

You can apply for a small business loan quickly right on our website. Then, if your loan application is approved and you decide to move forward, one of our helpful business funding specialists will contact you to discuss your options and answer any questions you have.

  • Loans from $5,000 to $250,000
  • If approved, same-day funding is available
  • Easy online application
  • One-hour approval decisions during regular business hours
  • Flexible terms available
  • Competitive rates

Business loans in 3 easy steps.

balboa capital devices
  1. Submit a simple online application.

  2. Get a prompt decision during our normal business hours.

  3. If your application is approved, funds will be provided fast.

What we look for.

Qualifications 2

Minimum of one year in business

$300,000+ in annual revenue

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FICO score of 620 or more

These are some of our minimum lending requirements, and meeting them does not constitute a business loan approval.
Should you apply for a small business loan, additional lending criteria will determine if you qualify.

Supporting all types of coffee shops.

Revenues are brewing in the coffee shop industry, with more than $50 billion annual sales. There are close to 40,000 specialty coffee shops in the United States, which means the competition is fierce. Whether you own one or several coffee houses, you are most likely competing with national chains and other independents. To differentiate your shop and sustain its growth, you must consistently serve quality coffee and espresso drinks and provide customers with a memorable experience. In addition, having enough capital available throughout the year can help keep your coffee shop running smoothly.

Balboa Capital has provided loans to all types of coffee shops, including cafes, coffee bars, retail coffee shops, and drive-thru coffee shops. So not only do we know your industry, but we also know your product. Just about every loan specialist at our company starts the day with a freshly brewed cup of java. You might say we are as passionate about coffee as we are about coffee shop loans. Balboa Capital has money to lend, so apply for a small business loan now!

coffee shop business loans

Reasons to choose Balboa Capital.

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Lender with an A+ BBB rating

Over $7 billion funded nationwide

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Simple, quick process