Unsecured Business Finance for Cafes & Coffee Shops
Receive £5k to £250k in 24 hours with a 90% approval rate. Check your eligibility for free in 2 minutes.
- Borrow from £5,000 to £250,000
- Poor credit history allowed
- Flexible repayments based on your card sales
- Unsecured & no business plan required
- Approval within 24 hours - 90% approval rate
Free decision in minutes
Simple funding for your Cafe or Coffee Shop
A Merchant Cash Advance provides you access from £5k to £250k in funding without the need for a business plan, providing security, or personal guarantees.
So whether you’re opening an exciting new location, refurbing a current one, or need money for payroll or cash flow, then a cafe or coffee shop business loan could be exactly what you need to get you flying!
How does it work?
A small percentage of your future credit and debit card sales are taken to repay the advance, meaning you only make repayments when your customers pay you. So, if you have a quiet month, you pay less, and when your revenues increase, you pay more.
No large repayments. Repay as you earn.
On average clients agree that 10% of future card/terminal sales would go to the lender to pay back the advance, leaving 90% to come directly to you as per usual. 10% will continue to be taken until the advance is repaid.
The majority of our clients love that they don’t even notice the repayments coming out, unlike a typical bank loan where a monthly lump sum must be paid back regardless of how well your business is doing.
- Approval within 24 hours
- No APR or fixed monthly payments
- Over 90% of applications approved
- No security or business plans required
Get flexible, fast funding today
- Free quote
- Tailored to your business
- No obligation
How do you get funded?
Check eligibility in minutes
Get your funds in 24 hours
Payback only when you sell
Speedy finance to grow your Cafe or Coffee Shop
It’s now more important than ever to invest in your cafe or coffee shop! With the doors back open and business booming again, having the funds to grow quickly can keep you ahead of your competition and your establishment thriving.
Our merchant cash advance for cafes and coffee shops is completely different to conventional forms of funding, and massively appeals to chains and independents alike.
With no fixed repayments, APR, or personal guarantees, and funds in as little as 24 hours, our merchant cash advance could be perfect for businesses just like yours.
You only pay the advance back when your establishment is making money, and as an agreed upon percentage of your future card sales, so you can continue to focus on keeping your business flourishing!
If you need a hassle-free cash injection then get a no obligation quote for your restaurant or takeaway in minutes.
Cafe & Coffee Shop loans for any purpose such as:
- Purchase professional espresso machines and coffee bean grinders
- Install Refrigeration systems, ovens, toasters, and other kitchen equipment
- Buy equipment instead of renting
- Purchase or upgrade POS systems
- Invest in a take-away app
- Refurbish and renovate
- Purchase stock including food, cakes, snacks, drinks and coffee mugs
- Helping with cash flow, ensuring wages and bills are paid on time
- Hire new staff such as barista's, waiters, waitresses and managers
- Marketing and advertising
- Build a new website
- Use your loan for repairs
Does my business qualify for a Merchant Cash Advance?
A Merchant Cash Advance is suited to all types of SME businesses that take card payments online or in person via a card terminal (PDQ). MCA’s are ideally suited for many types of businesses such as hospitality, convenience stores, supermarkets, services, trades, e-commerce, sole traders and many more.
If your business meets the following you can apply for an MCA
- Your business is UK based
- Your business has been trading for 4+ months
- Your business takes £5,000 per month or more from credit/debit card payments
- Your business transacts a minimum of 10 card transactions per month
If your company does not meet the criteria then don’t worry – our expert team can offer a whole array of options tailored to your specific business needs. Just contact us to find your ideal solution.
Our service to you
At Reform Financial we pride ourselves on our ability to work at pace, over-deliver on our promises, and provide award winning service for all of our clients. We know exactly how hard it is to build a strong, long-lasting business, and how integral healthy cash flow is.
As a broker our service is absolutely free of charge for you to use, so you can get the facts you need to make the best decision for your business. We have spent an incredible amount of time building and nurturing extremely strong relationships with our partners, so you can trust us to connect you to only the very best of the best.
Boost your business with a merchant cash advance
- Payback as you earn
- Completely flexible
- Maintain your cash flow
EFT Finance Limited is an FCA accredited finance broker, Reg No. 667290. EFT Finance Limited may receive payment(s) or other benefit from the finance provider if you decide to enter into an agreement with them.
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