Coffee Shop Opportunities Are Brewing for Brokers

We love our coffee here at TimePayment. We also love helping brokers to finance independent and small-chain coffee shops.

The quick sip: It’s a great market with reliable commissions, equipment that retains its value over time, and a lot of growth potential.

☕ Drink deeper: Here’s what brokers need to know:

• Coffee shops are equipment-intensive: Independent coffee shops need an average of $52,000 in equipment to get up and running at full steam. This includes espresso machines, grinders, refrigeration, and more.
• Their equipment holds value better: Commercial espresso equipment retains 60–70% of its value after five years, compared to 30–40% for typical restaurant equipment. Yet traditional lenders often make the mistake of grouping all food service equipment together. 
• Seasonal timing creates urgency: Coffee shops generate 65–70% of their annual revenue between October and March. Shop owners planning equipment upgrades prefer fall installations to capture peak season revenue, but traditional lending timelines of 45–90 days often miss these critical windows. Equipment brokers armed with speedy FinTech financing can deliver the faster approvals, funding, and delivery that coffee shop owners need.

📈 What’s the broker bottom line: Coffee shops represent a specialized market with substantial equipment needs and predictable revenue patterns.

• Positioning yourself as a coffee industry financing expert creates a lucrative niche in a recession-resistant business sector.