- Specialty Coffee Finance
- Cash Lending
- Bank Lending
| Specialty Coffee Finance | Cash Lending | Bank Lending | |
| Funding Purchase | Must Have Cash Up Front | Large Down Payments & Associated Fees | |
| Easily Upgrade & add Equipment | Would Require New Loan | ||
| Match Payments to Cash Flow Needs | Must Have Cash Up Front | Limited Flexibility | |
| Avoids Affecting Bank Lines of Credit | Will Affect Bank Lines of Credit | ||
| Defer Payments Until Equipment Generates Benefits/Revenue | Must Have Cash Up Front | Repayment Begins Immediately | |
| Get Same-Day Approval | Not Applicable | Could Take Days or Weeks |