Stonehollow Lending's coffee shop page covers funding for Kootenai County, ID cafes and coffee bars: espresso and roasting equipment, build-outs, opening payroll and cafe purchases.
At a glance
- Snack and nonalcoholic beverage bars, Kootenai County, ID
95 (CBP 2023)
- Paid employees at those bars
983 (CBP 2023)
- Snack and beverage bars in ZIP 83814
26 (ZBP 2023)
Espresso Bars, Counters and Baristas at Kootenai County, ID Coffee Shops
A coffee shop's costs sit in a small space: an espresso machine and grinders, brewers, refrigeration, an ice machine, a point-of-sale system, the counter build-out and the staff behind it. Equipment financing fits the machines, a term loan fits the build-out or buying a cafe, and working capital fits payroll and supplies.
Kootenai County, ID had 95 snack and nonalcoholic beverage bars in 2023 with 983 paid employees and $18.6 million in annual payroll, and 28.4% had fewer than five employees (County Business Patterns 2023, NAICS 722515). The office's ZIP, 83814, accounted for 26 of them (ZBP 2023).
Cafe Business Loan in Coeur d'Alene, ID: Coffee and Snack Bars in Kootenai County, ID
| Type (NAICS) | Establishments | Paid employees |
|---|---|---|
| Snack and nonalcoholic beverage bars (722515) | 95 | 983 |
| Limited-service restaurants (722513) | 138 | 2,615 |
| Full-service restaurants (722511) | 142 | 3,004 |
The snack and beverage bar group includes coffee shops, juice bars and similar counters; the Census does not publish coffee shops on their own.
Loan to Buy a Cafe in Coeur d'Alene, ID
Buying a cafe that already trades brings its equipment, lease, staff and regular customers. A term loan for the purchase is read on the seller's returns and card processing statements, the equipment list and the lease. Ask whether the landlord accepts the assignment and how long the lease runs, because a cafe's value depends on staying where it is.
Coffee Shop Financing in Coeur d'Alene, ID: Build-Out and Opening Payroll
A new cafe location needs plumbing for the espresso machine and sinks, electrical capacity, a counter and seating, and staff trained before opening. Split the build-out from the equipment, and size working capital to the weeks before sales settle. An existing cafe opening a second spot brings its own trading history; a first cafe with none is a startup request, which Stonehollow does not arrange.
Card Statements, Wholesale Accounts and the Lease at a Coeur d'Alene, ID Cafe
Card processing statements show daily sales and the average ticket, and bank statements show supplier payments and payroll. Bring twelve months of both, the latest tax return, the lease and any wholesale accounts the cafe sells to.
A cafe with catering or wholesale customers who pay on terms should list those receivables separately, because they arrive on a different schedule from counter sales.
If the cafe shares space with another business, such as a bookstore or a gym, show the sublease or license agreement, since the partner reads how secure the location is.
Espresso Machine Loan in Coeur d'Alene, ID
A commercial espresso machine is a precise, costly piece of equipment with a long working life when maintained. Partners read the dealer's quote, the model and whether it is new or refurbished. Grinders, a water filtration system and installation can sit on the same quote.
Cafe Equipment Finance in Coeur d'Alene, ID: Grinders, Brewers and Refrigeration
Batch brewers, grinders, under-counter and display refrigeration, ice machines, blenders and ovens for baked goods are financed as equipment. A package quote keeps one payment. Used equipment from a closing cafe can be financed with the seller's bill of sale.
Espresso Machine Financing in Coeur d'Alene, ID: A Monthly Payment Worked Out
Illustration only, invented figures: an espresso machine, two grinders and a water system cost $22,000, financed over 48 months at an assumed annual rate of 9%. The payment is $547.47 a month, about $18.25 a day (our arithmetic). At an invented $4.50 per drink, that is about 4 drinks a day before the machine has paid for itself.
Leasing or Buying Cafe Equipment in Coeur d'Alene, ID
Some roasters and equipment dealers lease espresso machines with service included. A lease can lower the monthly figure and fold in maintenance, while a loan leaves the cafe owning the machine. Compare the total of all payments, the service terms and what happens at the end of the lease.
Equipment that wears out or is upgraded on a short cycle, such as point-of-sale tablets, suits shorter terms than an espresso machine or a roaster.
Coffee Roaster Loans for Kootenai County, ID Cafes
A cafe that roasts its own beans, or a roaster that sells wholesale, finances the roaster, an afterburner or ventilation and green coffee storage. The roaster needs ventilation and may need permits, so confirm requirements with the city or county before buying. Wholesale accounts paid on terms add a working capital question.
Card Sales, Advances and Cafe Cash Flow in Coeur d'Alene, ID
Cafes take card payments all day, so a merchant cash advance is available to them; it is a sale of future receipts, not a loan. Compare its total cost with working capital first. The restaurant page covers larger kitchens, and the equipment financing page covers loans and leases. County tables are on the Coeur d'Alene, ID page.
By Stonehollow Lending · Updated
