Orchardshore Advances matches cafe and coffee shop loan requests from Cleburne, Texas shops already operating with funding partners. This page covers counter-service shops, equipment, build-outs and working capital, espresso machine financing, second locations and the county's snack and coffee bar counts.
At a glance
- Snack and nonalcoholic beverage bars, Johnson County, TX
44, with 389 employees (NAICS 722515, CBP 2023)
- Share with fewer than five employees
56.8%, 25 of 44 (CBP 2023)
- Snack and beverage bars without paid employees
18 (Nonemployer Statistics 2024)
A Cafe Business Loan for a Johnson County, TX Counter-Service Shop
Coffee shops, juice bars, bakeries with counters and donut shops fall under the Census category of snack and nonalcoholic beverage bars. County Business Patterns counted 44 of them in Johnson County, TX in 2023, with 389 employees and $7.5 million in annual payroll; 25 had fewer than five employees. Nonemployer Statistics counted 18 without paid employees in 2024.
A cafe's funding needs are small next to a full restaurant's but sharp: one espresso machine can cost as much as a used car, and a slow month hits a shop with a single register hard.
Coffee Shop Loans: Equipment, Build-Out or Working Capital
- Equipment: espresso machines, grinders, brewers, ovens, refrigerated cases and water filtration, through equipment financing.
- Build-out: counter, plumbing, electrical and seating for a remodel or a new site, through a term loan.
- Working capital: payroll and supplies through a slow stretch, through a working capital loan or line.
- A merchant cash advance against card sales, which is not a loan; compare it on total cost. See the cash advance page.
How to Get a Loan for a Coffee Shop That Is Already Open
Partners fund operating shops on their history. Bring twelve months of bank and card statements, the latest tax return, the lease, and quotes for whatever the money will buy. A shop that tracks average ticket and daily transactions from its point-of-sale system can show a partner how a second grinder or a drive-through window adds sales. Orchardshore does not arrange startup funding for a shop that has not opened.
Coffee Shop Equipment Financing for Espresso Machines and Grinders
Commercial espresso machines, grinders and brewers are financed through roasters' programs, equipment dealers and outside partners. Some roasters lend or lease equipment in exchange for a coffee purchase commitment; read that contract carefully, since the equipment price is built into the coffee. An outside equipment loan keeps the machine and the coffee supply separate.
Illustration only, invented figures: a $21,000 two-group espresso machine with grinders, financed over 48 months at an annual rate of 10.75%, costs roughly $540 per month (our arithmetic, fees excluded).
Getting Funding for a Coffee Shop's Second Location
A second location doubles rent and staff before it doubles sales. Partners read the first shop's sales trend and margins, the new lease, the build-out budget and the opening inventory. Splitting the funding, equipment financing for the bar and a term loan for the build-out, lets each piece run on a schedule suited to it.
Snack and Coffee Bars in the Johnson County, TX Counts
For scale, the 44 snack and beverage bars sit alongside 165 limited-service and 72 full-service restaurants in the county's 2023 counts (CBP). All three groups belong to the restaurants and other eating places category, which had 284 employer establishments. Cafes are the smallest of the three by count, and 56.8% of them had fewer than five employees, against 25.0% of full-service and 14.5% of limited-service restaurants.
Drive-Through Windows and Mobile Coffee Trailers
A drive-through window means construction, a permit and possibly a site plan change, which makes it a build-out funded by a term loan once the landlord and the city agree. A coffee trailer added to an existing shop is equipment, financed against the trailer and its build. Either way, confirm permits with the city and the health authority before signing a contract.
Pastry Cases, Ovens and the Food Side of a Coffee Bar
A cafe that bakes or serves food adds convection ovens, a proofing cabinet, refrigerated pastry cases, a hand sink and possibly a ventilation hood. Food service equipment brings health inspection steps, and some items need a hood or grease management the space may not have. Price the full installation, not only the equipment, and confirm what the landlord allows.
Adding food is a revenue decision as much as an equipment one; a partner reads it more favorably when the shop can show what similar items already sell, even from a small trial menu.
Records a Cafe Request Brings
- A full year of bank statements and card processor statements.
- The latest business tax return.
- The lease and any landlord consent needed for changes.
- Equipment quotes or the build-out bid.
- Point-of-sale reports on daily transactions and average ticket.
By Orchardshore Advances · Updated