Best Business Loans for Hospitality / Guides / Loans for cafés and coffee shops
Guide · reviewed 11 November 2026
Loans for cafés and coffee shops
Answer in brief
Cafés and coffee shops often finance coffee machines and kitchen kit with asset finance, and fund fit-outs or cash flow with a small business loan or merchant cash advance. Newer cafés may find a Start Up Loan or equipment finance easier than an unsecured loan.
Equipment first
Espresso machines, grinders and refrigeration are common assets to finance. Some suppliers offer their own finance, so compare it with independent options.
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