Coffee machine finance from 48+ Australian lenders.

Yes. The espresso machine, grinders, water filtration, knock box, milk fridge and installation can go on one contract when quoted together, and most lenders finance café equipment from around $5,000. A complete coffee station on one contract is cheaper than several small loans or paying cash from working capital.

Yes, with the right lender. New cafés are approved with a deposit, a signed lease, a clean personal credit file and hospitality experience, and rental agreements from equipment suppliers are another route for start-ups. Established cafés qualify on low documentation, often within a day.

Buying on a chattel mortgage or equipment loan suits a café that will keep the machine for years and wants the GST and depreciation benefits. Rental suits start-ups and businesses that want servicing included and the option to upgrade, at a higher total cost. Roaster-supplied machines tied to a bean contract are a third option. Your broker compares all three.

As a guide, a $18,000 two-group machine and grinder package over four years costs roughly $105 to $120 a week depending on the rate, which is a handful of coffees a day. Use the calculator on this page for your figures and your broker firms up the number with a real quote.

Yes, and it is usually best arranged as a package. The fit-out is often funded by a business loan or fit-out finance, the equipment by a chattel mortgage or lease secured on the equipment itself, and the franchise fee and working capital by the main loan. Structuring it this way keeps each part on the cheapest available terms. Lyft Money arranges the parts together so settlement lines up with the franchisor’s opening timetable.

Yes. Lenders regularly fund new practices for registered practitioners with a track record as an employee or associate, because the profession itself gives them confidence. A business plan, the lease on the premises and evidence of qualifications are the main requirements, and the fit-out, equipment and working capital can be funded together as a package so the practice opens fully equipped.

Fit-out finance funds the works needed to open or refurbish a site: joinery, counters and benches, flooring, lighting, partitions, plumbing and electrical, signage, air conditioning and the removable equipment such as kitchen gear, chairs, refrigeration and IT. Lenders treat the removable equipment and the fixed building works differently, so the two are usually funded on separate structures under one arrangement, each priced correctly.

Because removable equipment can be repossessed and resold, lenders finance it as a normal asset with the equipment as security, at asset finance rates. Fixed works such as joinery and flooring become part of the landlord’s building and have no resale value, so they are funded as a business loan against the strength of the business, sometimes with a director’s guarantee or other security. Splitting the two keeps the equipment portion cheap and makes the fixed portion fundable.

Yes. Lenders want the lease, including options, to run at least as long as the loan term, and preferably longer, because the fit-out is only valuable while you occupy the premises. A five-year fit-out loan on a three-year lease with no options is hard to fund. Securing the lease term or options before finalising the fit-out budget makes the application straightforward.

Fit-out finance commonly ranges from $20,000 to $1.5 million. The equipment portion can usually be funded at 100 per cent of the invoice. The fixed works portion depends on the business: established businesses with financials can fund most of it, while new businesses are typically asked to contribute 20 to 40 per cent or offer security. Landlord contributions, common in shopping centres, reduce what needs to be borrowed.