Finance that pours its first coffee on day one.
From a single 2-group La Marzocco to a 3-group Slayer with grinders, water filtration and a brew bar. Funded for cafés, restaurants, roasters and mobile operators.
Indicative rate may start at
8.4% APR
Deposit
0–15% typical
Term
24–60 months
Typical ticket
£6k single → £45k full bar
Specifics matter. Here's what's in scope.
Espresso machines
La Marzocco Linea/KB90, Faema E71, Sanremo Cafe Racer/Opera, Slayer, Rocket. 2-group, 3-group and 4-group setups.
Grinders
Mahlkönig EK43/E80, Mythos 2, Anfim Pratica, Eureka Mignon, Compak. Funded as part of the bar or standalone.
Roasters
Probat, Diedrich, Loring, Giesen. From 1kg sample roasters to 30kg+ production roasters with afterburners and PLC controls.
Brew & filter
Marco brewers, Fetco, Curtis ThermoPro, batch brewers, V60 stations, cold brew taps. Soft asset — specialist lenders only.
Water filtration
BWT, Brita Purity, 3M, RO units. Often missed by operators but critical to machine warranty — we bundle it in.
Espresso vans & mobile
Citroen H-vans, Piaggio Apes, Italian three-wheelers, Land Rover conversions. With kit and conversion funded as one.
Three reasons espresso & coffee buyers finance.
Coffee cash compounds fast
A £20k espresso machine running 200 covers a day at £3.50 a head pays for itself in months. Lock the cash in capex and you choke the working capital that grows the trade.
First-year cash flow is brutal
Café gross margin is great, year-one net margin rarely is. Finance keeps cash for staff, beans and marketing while the brand finds its feet.
Lease keeps tech evergreen
Espresso tech is shifting fast (volumetrics, pre-infusion, digital pressure profiling). Finance lease lets you upgrade the bar every 4–5 years without a write-down hit.
From quote to espresso & coffee on the road.
Send the bar spec
Machine, grinders, water, install. We can quote inside an hour for under £25k and 24 hours over.
Hospitality lender match
Hospitality-specialist lenders quote. We've placed coffee deals from start-up Brighton independents to multi-site groups.
Pay-out
Documents e-signed; supplier paid on delivery and install sign-off. Most bars open within 2 weeks of approval.
Finance Lease usually wins for espresso & coffee.
Espresso tech is moving fast and most operators want to refresh the bar every 4–5 years. Finance lease keeps the option open with lower monthly cost than HP.
Move from asset choice to a more informed funding discussion.
Monthly-cost calculator
Model indicative repayments and compare potential structures.
Run the numbersHospitality & Catering case study
See a real case study from the sector in which this asset is used.
Read the case studyRestaurant equipment finance guide
Read a guide to funding commercial kitchen, catering and coffee equipment.
Read the guideCoffee Machine Finance — what people ask.
We're a brand-new coffee shop — can we still get finance?
Yes. Hospitality-specialist lenders will fund start-up cafés on director experience, signed lease, fit-out budget and trading projections. Higher deposit (15–25%) is normal at start-up stage. We've placed dozens of these.
Can the install, plumbing and water filtration be included?
Yes — we bundle the install, water filtration, plumbing and any decking-out costs (hopper extensions, bar carpentry) into the same agreement so it's one direct debit.
Will finance cover an espresso van conversion?
Yes — we've funded Piaggio Ape and Citroen H-Van conversions with the kit, install and signwriting all built into the agreement. Specialist lenders comfortable with mobile food and drink.
Can I finance a roaster?
Yes — we've placed 1kg sample roasters through to 30kg production setups with afterburners and PLC. Specialist lenders comfortable with roastery start-ups.
Ready to fund your espresso & coffee?
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