Financing
Financing Options Built for Your Business (and Budget)
Buying commercial coffee equipment is a big move—and we’re here to help you make it easier. Whether you're building out a café, upgrading your gear, or taking your side hustle to the next level, we've got flexible financing partners ready to meet you where you are.
🏢 Business Financing Options
Navitas Credit Corp
Best for: Strong credit & simple, traditional financing
Requirements: 700+ FICO
If your credit is solid and you want straightforward terms from a trusted lender, Navitas is a great fit. Fast approvals, competitive rates, 0% interest options, and an easy process.
Approve Financing
Best for: Broader approval odds via multiple lenders
Requirements: 550+ FICO
Approve works like a smart financing matchmaker. One application gets sent to a network of lenders to increase your odds of getting approved.
Credit Key
Best for: Established businesses needing short-term flexibility
Requirements: 600+ FICO + operating business
Credit Key works a bit like a business credit card. Terms up to 12 months and a 90-day interest-free option make this ideal for quick-turn or seasonal investments.
👤 Personal Financing Options
Affirm
Best for: Individuals financing smaller purchases
Affirm offers instant approval, transparent terms, and flexible payment plans. It’s built right into our checkout process—no extra steps needed.
✅ Select Affirm at checkout
💡 How It Works
For Navitas & Approve:
- Fill out a short application—most decisions come within 1–2 business days.
- Once approved, the lender will request an invoice from us.
- When you accept your terms, the lender sends us the funds.
- We manually process your order, confirm it via email, and send tracking when it ships.
For Credit Key and Affirm:
- Once you've created an account, just choose your preferred option during checkout—no need to apply separately.
Not Sure Which Option is Right for You?
We get it—financing can be confusing. Give us a call, shoot us a text, or email us. We’ll walk you through it.
⚖️ Financing Partner Comparison Chart
| Partner | Best For | Credit Score Required | Business Required? | Term Length | Key Features | How to Apply |
|---|---|---|---|---|---|---|
| Navitas | Strong credit, simple financing | 700+ | ✅ Yes | Varies by approval | Fast decisions, low rates, traditional lender | |
| Approve | Broader approval via multiple lenders | 550+ | ✅ Yes | Varies by lender | One app, multiple lenders, better approval odds | |
| Credit Key | Short-term business financing | 600+ | ✅ Yes | Up to 12 months | 90 days interest-free, works like a business credit card, built into checkout | |
| Affirm | Personal financing, smaller orders | Varies | ❌ No | 3–36 months | Instant approval, built into checkout |
Navitas Credit Corp
- Best For: Strong credit, traditional financing
- Credit Score: 700+
- Business Required: ✅ Yes
- Term Length: Varies
- Key Feature: Low rates, fast decisions
Approve Financing
- Best For: Approval through multiple lenders
- Credit Score: 550+
- Business Required: ✅ Yes
- Term Length: Varies
- Key Feature: One app, many lenders
Credit Key
- Best For: Short-term business flexibility
- Credit Score: 600+
- Business Required: ✅ Yes
- Term Length: Up to 12 months
- Key Feature: 90-day interest free
Affirm
- Best For: Personal financing
- Credit Score: Varies
- Business Required: ❌ No
- Term Length: 3–36 months
- Key Feature: Checkout integration
How to Apply: Select Affirm at checkout