Brew Up Growth with Smart Financing

The specialty coffee industry in the United States has experienced remarkable growth over the past two decades, with the overall coffee shop market now valued at over $50 billion annually. Americans consume more than 400 million cups of coffee per day, and the independent coffee shop segment continues to carve out significant market share against major chains by offering unique atmospheres, locally roasted beans, and community-focused experiences. Opening and operating a coffee shop requires substantial capital investment. Commercial espresso machines alone can cost $10,000 to $25,000 for high-quality models, and a full buildout — including plumbing, electrical, counters, seating, and signage — can run $80,000 to $300,000 depending on location and scope. Beyond initial setup, coffee shops need ongoing working capital for green bean inventory, milk and food supplies, employee wages, and marketing efforts. What makes coffee shops appealing to lenders is their high-frequency transaction model. A typical coffee shop processes hundreds of transactions daily, generating consistent and verifiable revenue through card-based payments. This makes coffee shops well-suited for merchant cash advances and revenue-based financing in addition to traditional loan products. Brevo Capital works with lenders who appreciate the coffee industry's loyal customer base and recurring revenue patterns, helping shop owners access capital for everything from espresso machine upgrades to second-location expansions.