Elkmont places each purchase with a funding type and sends the request to funding partners, who make their own decisions.
Espresso machines, bakery ovens, movable furnishings, a roaster or a cafe purchase each fit a different funding type; invented payment examples and county counter counts show how.
At a glance
- Snack and nonalcoholic beverage bars (coffee shops among them), Madera County, CA
36 employer establishments in 2023 (CBP)
- Paid employees at those county counters
382 in 2023 (CBP, NAICS 722515)
- Employer counters in ZIP 93638
10 in 2023 (ZIP Code Business Patterns)
Bakery equipment loan in Madera, CA: movable counters, POS and seating
A cafe that bakes on site adds a different set of equipment to the espresso bar: a convection or deck oven, a proofer, a mixer and a lit display case. Those pieces carry vendor quotes and serial numbers, so they can be financed like other kitchen equipment. The counter around them is another matter. Movable counters, a point-of-sale station and seating can be itemized with a vendor quote; fixed counter construction and millwork are excluded, and a term loan can fit the movable pieces.
The county count used on this page is for snack and nonalcoholic beverage bars, the Census code that holds coffee shops, juice bars, ice cream shops and similar counters: 36 had paid employees in Madera County, CA in 2023 (County Business Patterns, NAICS 722515). Shops that mainly bake goods to sell rather than serve are counted elsewhere, as retail bakeries, so they are not in that figure.
Loan to buy a cafe for Madera County, CA: espresso machines, ovens and movable furnishings
Buying a cafe that already operates is a business purchase: the equipment, the lease rights, the name and the customer trade it has built. A term loan is the funding type for that. Elkmont does not arrange real estate purchases or mortgages, so a request to buy a cafe covers the business and its equipment, not the building. Ask the seller early for:
- Two or three years of the cafe's tax returns and its monthly sales reports
- A list of the equipment with ages and any liens on it
- The lease, with the term left and whether it can be assigned to a buyer
- The asking price and how it was reached
Illustration only, invented figures: an $85,000 purchase financed over 84 months at an annual rate of 10% runs $1,411.10 a month, and the 84 payments total $118,532, of which $33,532 is interest. A partner compares that payment with the profit the seller's records show.
Coffee shop financing in Madera, CA: movable cafe furnishings, grinders and second locations
Size matters when a coffee shop plans movable furnishings or a second counter. Of the 36 county coffee and snack counters with paid staff, 17 (47.2%) had fewer than five employees in 2023, and the group employed 382 people, about 10.6 per location by our arithmetic (CBP). A small shop replacing furnishings may close for days, so the request can include the lost sales along with the itemized equipment quote, and working capital can cover the wages paid during the closure.
A second location adds a new lease, movable furnishings and a full set of equipment at once; fixed room work is excluded. A partner reviewing that request looks at how the first cafe performs, because its deposits carry the payments until the new one has its own sales. Grinders and brewers for the second counter can go on equipment financing, while movable furnishings can sit on a term loan; fixed room work is excluded.
Coffee shop equipment financing for cafes in Madera County, CA
Illustration only, invented figures: a two-group espresso machine, two grinders and a water filtration system quoted at $16,800 and financed for 48 months at an annual rate of 11.25% cost $436.25 a month. Over 48 months, the payments total $20,940, with $4,140 of interest. At an invented margin of $1.10 a drink and 26 open days a month, the machine has to sell 16 more drinks a day than before to carry its own payment.
That drink figure is the useful part of the example: it turns the payment into something the owner can check against the line at the counter. Equipment financing keeps the machine as the security, so the cafe does not have to pledge other assets for it. A lease is the alternative when the shop expects to trade the machine in for a newer model.
How Madera County, CA cafes pay for roasters, bean stock and second cafes
A cafe that roasts its own beans buys a roaster, an afterburner or smoke filter where the building needs one, and green coffee by the bag or the pallet. The roaster is equipment. The beans are stock that turns into sales over weeks, and paying for a larger order up front is a short-term need that working capital or a credit line can carry. Separately, Nonemployer Statistics counted 9 snack and nonalcoholic beverage bars run without paid employees in Madera County, CA in 2024.
For a shop with steady card sales, a merchant cash advance is another option for stock or a second cafe's opening costs: a provider buys a share of future card sales and collects it daily or weekly, so it is not a loan and the cost is set as a fixed total. Working capital with a set payment is the comparison to make before choosing.
The Madera, CA city page has the employer count for ZIP 93638, and the industries hub lists the full-service kitchens and other food pages.
By Elkmont Loans · Updated
