Amount, use and timing
Identify the expense and select the funding purpose and urgency that correspond to it.
Business financing referrals · Cafés
Plan the cost of your next café improvement.
Espresso machines, refrigeration and a reliable supply of ingredients all support the café counter. Set out the purchase you are planning and the period it needs to cover before applying for business funding.
Cafés · funding preparation
Account for the interval before customers pay
Compare regular weekday sales with weekend or event-driven trade. The busiest hour is useful context, but the whole trading month matters when considering a repayment schedule.
Moving your request forward
Follow your request through the next steps
Operating information
Complete the business-name, industry, revenue and history fields together with the approximate credit range.
Review and send
Check your answers, review the consent wording and use the verification code before submitting the request.
Put the offer beside your budget
Match the offer to the expense you described
Proceeds and deductions
Confirm the sum available for the purchase after any withheld charges.
Repayment and fees
Add the scheduled payments and other costs to understand the overall obligation.
Terms and flexibility
Read provisions covering guarantees, early settlement and changes in the business.
Collect the key details
A useful checklist before you begin
Gather the business basics and check the expense calculation before you begin the application.
- 01Your purchase plan, estimated cost and schedule
- 02Your revenue bracket and how long the business has run
- 03Your business category, name and approximate credit band
- 04The owner’s contact information and phone access
Needs to describe
Identify the purpose of the funding
Espresso equipment
A new espresso machine may also require a grinder, water treatment and installation. Check the full setup cost and the time the counter would be out of service.
Seasonal stock
Coffee, milk alternatives and takeaway supplies can sell at different rates through the year. Base the order on recent use and the trading period ahead, especially before local events or holidays.
Service counter
An extra counter or display refrigerator can change how orders move through the café. Include fitting work and electrical requirements alongside the equipment quote.
Information for business owners
Points to review before starting
What should I understand about provider referrals?
The referral process involves selling submitted application information to funding partners, with no more than five receiving one request. We receive partner payments whether the request is funded or not and impose no application charge on you.
How does a provider decide?
The requested amount expresses what the business wants to explore. It is not an approved amount, and a funding partner may offer different terms or no financing at all.
Why can request timelines differ?
Submission and receipt of funds are different stages. Any timeline must be confirmed with the funding provider after it has reviewed the request.
How do contact preferences affect the request?
Read the disclosures presented with the application rather than relying only on this page. Submission includes a separate contact-consent review and a mobile verification step.
Describe the business goal
Make your next business purchase the starting point
Use the form to present your business funding need, including the amount and purpose of the request.