Ambermead Business Loans helps Hot Springs, Arkansas coffee shops and cafes request funding for equipment, build-outs and working capital. Garland County, AR had 28 snack and nonalcoholic beverage bars, the Census group that holds coffee shops, in 2023 (County Business Patterns).
At a glance
- Snack and nonalcoholic beverage bars, Garland County, AR
28, with 154 paid employees (CBP 2023)
- Share with fewer than five employees
64.3% (CBP 2023)
- Snack and beverage bars in ZIP 71901
14 (ZBP 2023)
- Restaurants and other eating places
234 (CBP 2023)
Coffee Shop Financing for Espresso Machines, Grinders and Pastry Cases
A commercial espresso machine is a cafe's largest equipment purchase, often followed by grinders, a water filtration system, refrigeration and a pastry case. Each comes with a quote and a working life, and the machine itself secures the deal.
Illustration only, invented figures: a $14,500 espresso machine and grinder package financed over 48 months at an invented 11% annual rate comes to about $375 a month and about $17,988 in total (our arithmetic). Set that against how many drinks a day the shop sells and what each one brings in after milk, cups and beans.
Grinders, brewers and water filtration are easy to leave off a first quote, and they add up. A complete package quote, with installation and any plumbing work listed, gives a partner the full figure. Ask whether the vendor includes a service plan, since a machine that is down for repairs stops sales at the counter.
Some roasters and suppliers lease machines as part of a bean contract. Read those terms closely: the machine may come with a minimum monthly bean purchase.
Cafe Business Loan for a Second Location or a Drive-Through Window
A drive-through window or a second location changes what the shop can sell, but it costs money first. A drive-through needs a window, an order point, sometimes a canopy and site work; a second site needs a lease, a build-out and a full set of equipment.
Partners read the first shop's sales and card statements, the lease or site plan for the new space, and the build-out bid. A term loan usually covers the build-out, with equipment financing for the machines.
Small Business Loans for Coffee Shop Owners Expanding Seating or Hours
Adding seating, an outdoor area or longer hours raises costs before it raises sales: furniture, staffing for the new hours and sometimes permits. The furniture and any equipment fit equipment financing or a small term loan; the staffing for the first months fits working capital.
Before asking for money, track what the shop sells in the hours it already runs at the edges of the day. That record is the most useful evidence a partner can read for whether longer hours will pay.
Owners who rent their space should also check the lease before adding outdoor seating or extending hours. Some leases limit hours of operation, signage or use of shared areas, and a landlord's written approval may be needed. Getting that approval before ordering furniture avoids paying for seating that cannot be used.
Business Loans for Coffee Shop Owners: Bean Orders and Payroll Between Deposits
Beans, milk, cups and pastries are ordered weekly, while card sales settle a day or two after each shift. A credit line drawn for a large supply order and paid down from deposits fits that rhythm. A working capital loan suits a one-time gap, such as payroll during a slow stretch.
Coffee shops are often offered merchant cash advances because their sales come mostly by card. An advance is not a loan, and its total cost can be high; price a credit line first.
The Census Line That Holds Coffee Shops in Garland County, AR
County Business Patterns does not count coffee shops on their own line. They fall in snack and nonalcoholic beverage bars (NAICS 722515), a group that also includes juice bars, ice cream and frozen yogurt shops, donut shops and similar places. Garland County, AR had 28 of these in 2023, with 154 paid employees and $3.8 million in annual payroll; 64.3% had fewer than five employees.
ZIP Code Business Patterns counted 14 snack and beverage bars in ZIP 71901. Without paid employees, Nonemployer Statistics found 8 more in 2024; that program is counted separately. The wider group of restaurants and other eating places numbered 234.
Cafe owners can also see every industry covered, restaurant counts for the area, money for bean orders and payroll and espresso equipment financing.
Owners weighing this can also read about how a restaurant credit line pays food suppliers.
By Ambermead Business Loans · Updated