Cafe Business Loans in Myrtle Beach, SC: Espresso Machines, a Pastry Case and a Cold Brew Setup

A coffee shop’s spending falls into three piles: machines on the counter, the register and card readers at checkout, and the beans, milk and cups that go out the door each day. The table pairs each pile with a product on this site.

Counter rebuilds and new plumbing are property work outside this site. The machines that sit on the counter are equipment. A partner may look at bank statements, time in business, revenue and credit before setting terms.

Illustration only, invented figures: for its counter, a Myrtle Beach, SC cafe gets a quote of $15,980 on a two-group espresso machine plus $2,240 apiece for two grinders, $20,460 in total. Paid off over four years at 11.15%, the counter setup takes $530.29 a month, or $25,453.92 by the last payment, $4,993.92 of which is interest (our arithmetic).

In this invented example, the machine needs a water line, a drain and a dedicated circuit at the counter. That plumbing and electrical work is property work outside this site and is paid apart from the machine. The grinders plug into outlets already on the counter.

A partner may ask for the quote listing the machine’s model, both grinders and the delivery date, and it may set a down payment.

Illustration only, invented figures: a Horry County, SC cafe that bakes its own pastries adds a refrigerated pastry case at $6,420, a countertop convection oven at $4,180 and a proofer at $2,130, $12,730 in all. Over 36 months at 10.75%, each payment is $415.26; the loan costs $14,949.36 in total, $2,219.36 of it interest (our arithmetic).

In this invented example, if the oven needs a higher-voltage circuit than the counter has, that circuit is property work outside this site. A bakery equipment loan is equipment financing under another name: the items on the quote are what the payment buys.

The equipment financing page runs any quote through price, down payment, rate and term, so the pastry setup can be priced at other terms before calling.

Coffee shops are counted under snack and nonalcoholic beverage bars (NAICS 722515), a code that also holds juice bars, ice cream shops and similar counters. For 2023, ZIP Code Business Patterns gives ZIP 29577 a count of 32 such establishments with paid staff.

Horry County, SC counted 103 under County Business Patterns that year, with 1,498 paid employees. Sixty-five of the 103 had at least five employees, since 38 had fewer than five (our arithmetic).

Nonemployer Statistics lists 25 snack and nonalcoholic beverage bars with no paid employees in the county for 2024, a separate count never added to the employer one. Sit-down kitchens are on the restaurant page, and taprooms on the bars page.

Illustration only, invented figures: a Myrtle Beach, SC coffee shop takes a $9,600 merchant cash advance for a cold brew system, a nitro tap and an ice machine at a 1.29 factor, so $12,384.00 is collected from card sales. With a 12% holdback and $1,310 in daily card sales, $157.20 goes to the provider each business day, which clears the balance in 79 business days (our arithmetic).

In the same invented case, the advance costs $2,784.00 over the $9,600 received. If card sales fall, the daily amount falls with them and the balance takes longer to clear. The provider is buying a share of the cafe’s future card sales, so this is not a loan.

The brewer, the tap and the ice machine in this example are freestanding equipment; a new water line or drain to them would be property work outside this site. The merchant cash advance page has a worked holdback example of its own, with different figures.