Opening or upgrading a coffee shop? Your espresso machine is the heart of your operation—but it's also one of the most expensive. Top-tier commercial machines can run anywhere from $5,000 to $25,000+, depending on features, size, and brand. The good news? With smart equipment financing, you can get the gear you need without draining your startup capital.
Can you finance commercial espresso machines and coffee makers?
Yes, commercial espresso machines and coffee equipment can be financed through equipment loans or leases, allowing for low monthly payments.
Investing in high-quality coffee equipment is crucial for:
Ensuring consistency and speed during rush hours
Meeting health and safety codes
Enhancing the customer experience
Building brand credibility
Financing helps by:
Spreading costs over time (24–60 months)
Freeing up cash flow for inventory, rent, and marketing
Allowing immediate access to premium equipment
Related: Restaurant Equipment Financing: Kitchens, Ovens, and More
You can finance nearly all essential café gear, including:
Commercial espresso machines (1–3 group heads)
Coffee brewers and grinders
Water filtration systems
Hot water towers and frothing tools
POS systems, refrigerators, and prep counters
✅ Bonus: Some financing partners include installation and maintenance in the agreement.
You own the equipment from the start
Fixed payments and interest rate
Great for long-term use and resale value
Lower monthly payments
Option to return, upgrade, or buy at lease end
Ideal for new cafés or evolving menus
Lease now, own later with a $1 buyout
Popular for espresso machines and grinders
Most lenders will require:
A business license or EIN
Quote or invoice from equipment supplier
3–6 months of bank statements or financials
Credit score (often 600+)
Startups can often qualify—especially with a strong business plan.
| Equipment | Retail Price | Lease Term | Estimated Monthly Payment |
|---|---|---|---|
| La Marzocco Linea Mini (2-group) | $9,200 | 48 months | ~$245 |
| Mahlkönig Grinder | $2,800 | 36 months | ~$90 |
| Water Filtration & Setup | $1,200 | 24 months | ~$55 |
✅ Specialty in foodservice or café equipment
✅ Transparent lease/loan terms and no hidden fees
✅ Fast application process and same-day approvals
✅ Buyout flexibility and equipment upgrade options
✅ Equipment repair or maintenance bundles (optional)
Get quotes for espresso and coffee gear
Choose a lease or loan structure
Submit business documents and credit info
Review terms and repayment schedule
Sign and receive equipment delivery
A great coffee program starts with reliable, pro-level equipment. With commercial espresso machine financing, you can start serving lattes and cappuccinos now—without waiting months to save up.
Need high-quality espresso gear for your shop?
Explore financing options for commercial coffee equipment and turn your café vision into a reality—without breaking the bank.