Cafe Business Loans in Bullhead City, AZ: Movable Counters, POS and Seating

A coffee bar is a short list of expensive machines. Illustration only, invented figures: a cafe replaces its espresso machine at $18,500, adds two grinders at $2,400 each and $6,300 of blenders and under-counter refrigeration for a smoothie menu: $29,600 in all. Over 60 months at an annual rate of 11.75%, equipment financing puts the payment at $654.70 a month.

A menu expansion makes a stronger case with numbers from the register. Show how many drinks the bar sells now, what the new items are expected to add, and what the new equipment costs per drink at that volume.

The cafes doing this math in Mohave County, AZ are not all tiny. County Business Patterns counted 42 snack and nonalcoholic beverage bars, the code that holds coffee shops, with paid employees in 2023 (NAICS 722515); they employed 466 people, about 11.1 per location by our arithmetic, and 15 of the 42 had fewer than five employees.

Adding baked goods turns a coffee bar into a small kitchen. Illustration only, invented figures: a $12,600 convection oven and a $7,400 refrigerated pastry case over 60 months at 11.25% cost $437.35 a month. A proofing cabinet, a mixer and a portable bakery rack may follow; fixed ventilation and plumbing are excluded.

Fixed counter, plumbing and electrical work are outside this request. Movable counters, the oven, case and mixer can be listed as identifiable equipment.

A second location repeats the whole list: grinders, an espresso machine, refrigeration, a POS station and movable fixtures, plus the payroll to staff the second location.

Illustration only, invented figures: a buyer agrees to pay $165,000 for an operating cafe, with the buyer putting in $24,750 (15%), the seller carrying a $16,500 note (10%) and a term loan covering $123,750 over 84 months at an annual rate of 10.5%: $2,086.51 a month for the loan, before the seller note.

• The seller's tax returns, sales reports and bank statements for two or three years.
• An equipment list: the espresso machine, grinders, any roaster, refrigeration and furniture, with ages.
• The lease, its remaining term and whether it can be assigned to the buyer.
• The bean and supply stock on hand at closing, and the supplier accounts that transfer.

A roaster changes the business. It adds wholesale sales and a costly machine, and a partner will want the roasting volume and the wholesale accounts behind it. Bean stock bought in bulk fits inventory money rather than the purchase loan.

A drive-up window is building work: cutting the wall, a window unit, a lane and its signage, plus whatever site work the lot needs. That is property work outside this site, and any permit or approval is the owner's question for the city or county. For the equipment that can be financed, bring the vendor's quote and the delivery timeline.

Because the work stays with the building, it is outside this site. A menu board and a headset system are movable and can go on an equipment line, with the vendor's quote.

Owner-run cafes are counted separately: Nonemployer Statistics recorded 12 snack and nonalcoholic beverage bars with no paid employees in the county for 2024.

Movable counters, new POS terminals and seating are the visible parts of an equipment update. A cafe that runs most sales through cards can fund them with a merchant cash advance. Illustration only, invented figures: a provider advances $25,000 at a factor of 1.28, collecting $32,000 at 10% of card sales. The provider collects about $3,600 from $36,000 of monthly card sales, making the advance’s collection period roughly 8.9 months.

A fixed loan costs less when the cafe can carry a set monthly payment; the advance moves with sales. Compare the total each one collects before choosing.

Full restaurants have their own page at restaurants, and every trade is listed on the industries page.