Over 55 million cups are enjoyed in the UK every day and cafe culture is booming on the high street, with 16% of customers visiting one every day and 80% going once a week or more. Entrepreneurs keen to enjoy a slice of the retail pie are setting up coffee houses that offer superb in-store experiences, beautiful interiors and the finest, freshest coffee beans served in a variety of ways. From double espressos through to trendy cold-brews served with ice, coffee houses look to be a growth industry and there is plenty of empty retail estate available on the high street for conversion.

In some parts of the world, there are coffee shops on every urban street corner. Britain may well be set to follow suit; however, plans to open new coffee shops, renovate existing coffee shops and grow a sustainable business require investment.

The costs involved can be significant, from buying the necessary high-end equipment through to training baristas, kitting out the cafe interior, and investing in high-quality stock.

Access to finance

Many coffee shop owners simply will not have access to the cash reserves needed to fund this kind of investment. Working capital needs to remain accessible to provide certainty and to mitigate business risk; however, with big high street banks still unwilling to lend, where can entrepreneurs turn to access the vital funds they need?

A simple application process

Our loan application process is quick and simple – complete the short online form and provide some basic information. Our team will make a decision within 24 hours. From this point, the loan funds can be in your business bank account on the next working day.

For more information, please contact our helpful business finance lending team. Our staff will be happy to discuss your situation and answer any queries.