Investment & Financing for Café Owners
Plan smart CAPEX, choose the right funding, and protect cash flow. Get practical, numbers‑first guidance tailored to Australian cafés.
- Complimentary intro session
Start with a 30‑minute call
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What you'll learn
Funding options at a glance
- Predictable repayments
- Lower rates vs. alternatives
- Stronger docs and security
- Approval time
- Matches payments to equipment life
- Often easier to approve
- Asset security
- Total cost can be higher
- Flexibility for cash swings
- Pay interest only on use
- Variable rates
- Discipline required
- No repayments
- Strategic support
- Dilution of ownership
- Alignment required
- Fast access
- Repay via % of sales
- High effective cost
- Can strain cash flow
- Non‑dilutive
- Offsets CAPEX
- Eligibility limited
- Application effort
The numbers that matter
Fixed costs ÷ contribution margin %
Break-even Sales
Initial outlay ÷ annual cash inflow
Payback Period
Operating cash flow ÷ total debt payments
Debt service coverage (DSCR)
(Sales − variable costs) ÷ Sales
Contribution margin
A simple process that works
Walk‑through audit to spot bottlenecks and quick wins.
Assess & prioritise CAPEX
Identify upgrades with the highest impact on throughput, quality, or revenue.
Build the model
Business plan, P&L, cash‑flow, security, and projections.
Prepare your pack
Rates, fees, terms, security, covenants, and flexibility.
Compare lenders/options
Negotiate terms, complete settlement, and schedule the rollout.
Apply & implement
Monitor KPIs weekly; tweak pricing, promos, and roster to stay on plan.
Track & adjust
Frequently asked questions
Fixed repayments give certainty; variable can be cheaper initially but moves with the market. We’ll model both against your cash flow.
Compare options, build your pack, and track the numbers that matter.
Book your free session