Funding for your day-to-day coffee shops needs.
- Buy or upgrade the espresso machine, grinder, and bar equipment
- Build out a second location or relocate to better foot traffic
- Add a roastery or wholesale operation behind the retail front
- Smooth seasonal traffic: winter dips, summer surges in patio cities
- Cover essential costs alongside existing financing when affordable
Financing options for your Canadian business.
Working capital is a common starting point where appropriate. Term loans may also be available, with each offer and schedule set by the lender.
Revenue-Based Financing
An option for businesses with strong sales history, with repayment terms set by the lender.
Learn more →Term Loan
Equipment and buildouts, with a lender-set payment schedule.
Learn more →Line of Credit
For the strongest business and credit profiles only. May be considered for surprise repairs, inventory pushes, and seasonal staffing, subject to lender review.
Learn more →Start with the right information.
Working-capital applications are generally considered for Canadian businesses with at least six months in operation and at least $10,000 in monthly revenue. Approval depends on lender review, and additional documents may be requested.
What to prepare
- Recent business bank statements
- Existing financing obligations
- How you intend to use the funds
Three steps from application to lender decision.
Apply in minutes
Share your business details and connect your bank or upload recent statements.
Compare real offers
See every product your business qualifies for side-by-side. No estimates, no bait pricing.
Review the offer
If approved, review the lender’s schedule, costs, and conditions before you decide.
Canadian coffee shop financing: common questions.
I've been open less than a year. Can I still qualify?+
At least six months in business and $10,000 in monthly revenue are required to start a working-capital application. Approval depends on lender review.
Can I finance new equipment specifically?+
Yes. Espresso machines, grinders, brewers, and bar equipment can be financed via a term loan or a dedicated equipment facility.
What about a second location?+
Term loans are common. We structure payments to begin as the new location ramps so you're not paying full freight on day one.
I'm seasonal. Does that matter?+
Seasonal revenue can be considered during lender review. The repayment schedule depends on the product and lender offer.
Can I borrow for a roastery or wholesale arm?+
Yes. Wholesale and value-add expansions are favorable use cases. We can finance both the equipment and the working capital around the launch.
Other industries we fund.
Ready to fund your company's future?
Start your Canadian business funding application online. An advisor will review your needs and explain any available lender offers.