Coming soon
SBA Loans for Coffee Shop Owners
Opening your own shop, purchasing an existing one, or adding a drive-thru. What a lender counts, and how the deal is structured under SBA SOP 50 10 8.1.
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What's inside
- SBA 7(a) Small and 504 for coffee shops
- Opening a new shop: 10% down on the whole project
- Leases, landlord allowances, and roaster deals
- Purchasing a shop: why only the tax return counts
- A drive-thru second location through 504
Three owners, three deals
Naomi is a shop manager opening her own coffee shop in an empty leased unit.
Omar is purchasing a downtown shop where the broker says $85,000 a year and the tax return shows $55,000.
Irene owns a shop and is building a drive-thru across town through 504.
Every SBA loan rule is checked against SBA SOP 50 10 8.1 (effective October 1, 2026), 13 CFR Part 120, and current SBA notices.
Have a deal now? Run it through the free calculators
Read the free guide to SBA coffee shop financing: opening or purchasing a coffee shop, the down payment, the lease and three worked deals.