(503) 918-0856 is the number for a first conversation, and the request form is the other way in; independent funding partners weigh the request and set the terms of any offer.
Funding for Oregon City, OR cafes and coffee shops: buying an existing cafe, espresso and pastry equipment, bakery ovens and a second location, roasters and bean stock, card-sales funding, an invented espresso package and Clackamas County, OR Census counts for NAICS 722515.
At a glance
- Snack and nonalcoholic beverage bars, Clackamas County, OR
134 with paid employees (CBP 2023)
- Of those, under five employees
37, or 27.6% (CBP 2023)
- Snack and nonalcoholic beverage bars at ZIP 97045 addresses
17 employer establishments (ZBP 2023)
- Same code, no paid employees, Clackamas County, OR
19 (Nonemployer Statistics 2024)
Loan to buy a cafe in Oregon City, OR: cold brew kegs, cafe tables and opening payroll
Buying a running cafe is a business purchase: the equipment, the name, the recipes, the stock on the shelf and the lease. A term loan can carry it. A partner can ask for:
- Point-of-sale sales reports by month, ideally for two years
- The business's filed tax returns, provided by the seller
- A list of the equipment in the sale, with ages and any leases still owed
- The current lease and its assignment clause
- The draft purchase agreement, with the price split between equipment, stock and goodwill
Smaller items ride along. Cold brew kegs and a kegerator, cafe tables and chairs, and a few weeks of opening payroll can sit beside the purchase, the furniture as equipment and the payroll as working capital.
Of 134 snack and nonalcoholic beverage bars (NAICS 722515, the code for coffee shops and juice bars) with paid staff in Clackamas County, OR in 2023, 97 had five or more employees by our arithmetic and 37 had fewer (County Business Patterns).
Coffee shop financing in Oregon City, OR: pastry cases, roasters and batch brewers
The espresso bar is the core purchase: a two- or three-group machine, a grinder for each blend, a refrigerated pastry case and a batch brewer for drip. Equipment financing can hold all of them on one quote.
Illustration only, invented figures: a $21,500 espresso machine, 2 grinders at $3,800, a $6,900 pastry case and a $2,400 batch brewer make $38,400. Over 48 months at 11.7%, the cafe pays $1,005.57 monthly, $48,267.36 by the last payment, of which $9,867.36 is interest.
A roaster is equipment too, and so is its chaff collector and cooling tray. Running gas service to it and venting it out of the building is building work outside this site. Partners can ask for the roaster's batch size and the maker's quote, and for a used roaster, its year and burner service record.
Bakery equipment loan in Oregon City, OR: convection ovens, grinders and second locations
A bakery-cafe adds a convection oven, a planetary mixer, a dough sheeter, a proofing cabinet and sheet pan racks. Electric countertop and stacked convection ovens can be financed like the espresso machine.
A second location repeats the equipment list and adds opening stock, a lease deposit and payroll for staff trained before the doors open. Working capital can carry those weeks. Turning an empty space into a cafe with plumbing, counters built in place and electrical work is building work outside this site.
Close to the office, the 2023 ZIP Code Business Patterns counted 17 snack and nonalcoholic beverage bars at ZIP 97045 addresses.
Paying for roasters, bean stock and second cafes: options Oregon City, OR cafes weigh
| Cost | Product | Why it fits |
|---|---|---|
| Espresso machine, grinders, roaster, ovens | Equipment financing | Each machine secures its own deal |
| Green coffee, milk, cups and lids | Working capital | Used up and reordered each week |
| Opening a second cafe | Term loan or working capital | One-time cost, repaid over a set term |
| Uneven card-sales weeks | Merchant cash advance | Collected as a share of card sales |
A merchant cash advance is not a loan. A funding partner buys part of the cafe's future card sales and collects a set share of each day's card receipts until the agreed amount is remitted.
Counted separately, Nonemployer Statistics found 19 businesses in the same code with no paid employees in Clackamas County, OR in 2024.
Roasters, Bean Stock and Second Cafes: one funding request in Oregon City, OR
A roaster, a bean order and a second cafe can be one call and several products. The roaster goes on equipment financing, the green coffee on working capital, and the second cafe on a term loan sized to its equipment list, opening stock and first weeks of pay.
Partners look at the card-sales history, the bank statements and the quotes for each part. A cafe that roasts for other shops can show those wholesale invoices as well.
Kitchens with a full menu have the restaurants page, and lodging has the hotels and motels page. The Oregon City, OR page has county and ZIP 97045 counts, and the industries hub lists the other trades.
By Silverfield Credit · Updated