Funding for a Lebanon, PA coffee bar or bakery cafe, from espresso machines and deck ovens to buying a running cafe, with county counts for NAICS 722515.
At a glance
- Snack and nonalcoholic beverage bars, Lebanon County, PA
27 employer establishments in 2023 (CBP, NAICS 722515)
- Paid employees at those establishments
293, about 11 per establishment (CBP 2023, our arithmetic)
- Snack and beverage bars at a ZIP 17042 address
10 employer establishments (ZBP 2023)
Coffee shop financing in Lebanon, PA: cold brew kegs, patio seating and opening payroll
An existing cafe adding a second counter spends money in two directions before the first cup there. Some goes to things with a serial number: the cold brew system and its kegs, the refrigeration, the patio tables and umbrellas. The rest goes to people and supplies: baristas trained before opening day, the first coffee and dairy orders, and cups with the logo on them.
The two halves fit different products. Kegs, a kegerator and outdoor furniture can go on equipment financing with the vendor quotes. Opening payroll and the first stock orders are working capital, because nothing physical secures them and the cafe pays them back from sales.
Census County Business Patterns counted 27 snack and nonalcoholic beverage bars, the code that covers coffee shops, in Lebanon County, PA in 2023. Their 293 paid employees work out to about 11 per establishment (our arithmetic), so opening payroll is a real line for a cafe here.
Coffee shop equipment financing in Lebanon, PA: espresso machines, grinders and water filtration
The espresso bar is the core purchase, and its parts often come from one equipment dealer. A two-group machine, a grinder for each blend, and a water system that keeps scale off the boiler are sold and installed together.
| Item | Price |
|---|---|
| Two-group espresso machine | $14,500 |
| Two grinders at $2,800 | $5,600 |
| Water filtration and softener | $1,100 |
| Plumbing and electrical hookup | $900 |
| Espresso bar total | $22,100 |
| Installment per month: 36 months, invented 11.25% annual rate | $726.14 |
| Paid across all 36 months | $26,141.04 |
Water treatment matters because scale inside a boiler turns into a repair bill. With the filter on the same quote, it is financed together with the machine.
Bakery equipment loan in Lebanon, PA: deck ovens, proofers and spiral mixers
A bakery cafe adds the heaviest equipment in the building. A deck oven with a steam system, a proofer that holds dough at the right temperature, and a spiral mixer sized for the morning batch are each priced by a dealer and each has a model plate, which is what an equipment funding partner looks for.
- Deck oven: the dealer quote with model, capacity and supplier setup
- Proofer or retarder-proofer: model and capacity in pans
- Spiral mixer: bowl size and voltage
- Movable cooking equipment and removable filters: the supplier quote; fixed hoods and fire-suppression systems are excluded
Equipment financing covers the oven, proofer and mixer. Training and opening stock can be compared under working capital or a term loan. Fixed hoods and gas lines are excluded, and any landlord approval for supplier setup belongs in the lease file.
Loan to buy a cafe in Lebanon, PA: bakery ovens, pastry cases and cafe equipment
Buying a cafe that is already open is not the same request as opening one. The price covers what is in the room, the name and its regulars, and some opening stock. A term loan fits that shape, with a down payment from the buyer and the seller's numbers as the main evidence.
| Part of the sale | Amount |
|---|---|
| Equipment and furniture in place | $38,000 |
| Name, recipes and customer following | $42,000 |
| Opening stock of coffee, milk and paper goods | $4,000 |
| Purchase price | $84,000 |
| Buyer's down payment, one fifth of the price | $16,800 |
| Amount the request asks a partner to fund | $67,200 |
A new pastry case after the sale is a separate cost, which can be priced once the buyer has the keys. The lease is not part of the price at all: it transfers only if the landlord agrees, which is why the landlord's consent letter belongs in the file.
Paying for movable counters, POS and seating: options a Lebanon, PA cafe can weigh
Movable counters, POS systems and seating are the costs that come back every few years. A movable counter with a pastry case is equipment with a supplier quote. A POS system with card readers and a kitchen display is equipment, though some of it is a monthly subscription that no financing covers.
A merchant cash advance is another route some cafes look at, because it is collected as a share of card sales. It is not a loan: the funding partner buys part of future card receipts at a factor rate rather than an interest rate. Set the total dollars of each option side by side, working capital included, before choosing.
A staff of five or more is the usual size in this code: 17 of the 27 establishments had five or more employees in 2023 (CBP, our arithmetic). ZIP Code Business Patterns placed 10 snack and nonalcoholic beverage bars at a ZIP 17042 address that year. Nonemployer Statistics, a separate program, recorded 6 without paid employees in Lebanon County, PA in 2024.
By Southbrook Business Capital · Updated