Silverport Capital helps cafes and coffee shops in Wenatchee, Washington and across Chelan County, WA compare cafe business loans: equipment financing for espresso, baking and refrigeration, working capital for payroll and supplies, and term loans for fit-outs and second locations. This page covers county counts and what partners read; partners decide.
At a glance
- Snack and beverage bar employers, Chelan County, WA
51 (CBP 2023)
- Paid employees in the group
488 (CBP 2023)
- Group employers in the city's ZIP
25 (ZBP 2023)
Coffee Bars and Snack Bars in Chelan County, WA
Snack and nonalcoholic beverage bars, the Census group (NAICS 722515) that holds coffee shops along with juice bars, ice cream shops and doughnut shops, counted 51 employers in Chelan County, WA in 2023 with 488 paid employees (County Business Patterns, 2023 data, U.S. Census Bureau). 25 were in ZIP 98801 (ZIP Code Business Patterns, 2023 data, U.S. Census Bureau). The Census does not publish a separate coffee shop count, so this figure covers the whole group.
Cafe business loans for Chelan County, WA coffee bars and bakeries
A coffee bar's money needs are equipment-heavy for its size: the espresso machine and grinders can cost more than the furniture and fixtures together. A bakery cafe adds ovens, mixers and proofers. Working capital covers milk, beans, pastry ingredients and payroll; equipment financing covers the machines.
Coffee shop loans in Wenatchee, WA, purchase by purchase
| Purchase | Funding type |
|---|---|
| Espresso machine, grinders, brewers | Equipment financing |
| Deck oven, mixer, proofer | Equipment financing |
| Payroll and supplies in a slow stretch | Working capital or a line of credit |
| Fit-out of a new space | Term loan |
| Buying an existing cafe | Term loan |
Coffee shop financing in Wenatchee, WA: espresso machines, grinders and display cases
Illustration only, invented figures: a cafe prices a two-group espresso machine and two grinders at $22,000; financed for 48 months at an assumed 11.5% annual rate, that comes to about $574 a month (our arithmetic). Display cases and a pastry case can be added to the same request.
Ask the supplier whether installation, water filtration and the first service visit are included in the quote, and whether the partner finances them.
Coffee shop equipment financing in Wenatchee, WA: brewers, refrigeration and water filtration
- Batch brewers and hot water towers.
- Reach-in and under-counter refrigeration.
- Ice machines.
- Water filtration systems sized to the espresso machine.
- Blenders for a smoothie or frozen menu.
Water filtration protects the espresso machine; partners financing the machine may see it as part of the same purchase.
Getting a loan for a Wenatchee, WA cafe: fit-out, equipment and a second location
A fit-out turns an empty space into a cafe: plumbing, electrical, a counter, seating, lighting and signage. A second location repeats it and adds opening stock and payroll. A term loan fits the fit-out; equipment financing fits the machines; working capital fits the first weeks of payroll.
Partners financing a second location read how the first one performs, so bring its statements.
Bakery equipment loans in Wenatchee, WA: deck ovens, mixers and proofers
Illustration only, invented figures: a $34,000 deck oven, spiral mixer and proofer over 60 months at an assumed 11% annual rate is about $739 a month (our arithmetic). Baking equipment lasts, so a longer term can match its life.
The equipment financing page compares $1 buyout and fair market value leases for kitchen equipment.
Buying an Existing Cafe
Buying a cafe means buying its equipment, its lease, its regulars and its name. A partner reads the seller's returns and deposits, the lease, and the buyer's food service experience. The term loans page covers down payments and payment math, and the restaurant loans page covers kitchen purchases in more depth.
Working Capital for Beans, Milk and the Pastry Case
A coffee bar's supply costs run daily: beans from a roaster on invoice, dairy and alternative milks on delivery, cups, lids and pastry ingredients. Payroll for baristas runs every two weeks. Card settlements arrive within a day or two of each sale, which gives a partner a clear daily record of the cafe's revenue to read.
A line of credit suits a cafe whose supply bills are steady but whose sales swing from week to week; working capital suits a single gap, such as a closure for a remodel.
A Cafe Inside a Bakery, a Shop or an Office Building
Some cafes sit inside another business: a bakery counter, a bookstore corner or the lobby of an office building. The lease, or the agreement with the host business, decides how much a partner will finance in the space, since equipment installed in someone else's premises needs clear rights of access and removal.
- Read the host agreement for its term and renewal.
- Confirm who owns the counter and plumbing at the end.
- Check whether the host allows a lien on the cafe's equipment.
Records Partners Read for a Cafe
- The cafe's recent bank statements and its card processor reports.
- The lease.
- Equipment quotes.
- Business and personal tax returns.
- Existing debt, including any advance being collected.
Next on silverportcapital.com: all twelve industry pages, merchant cash advances and Chelan County, WA business figures.
By Silverport Capital · Updated