COFFEE & VENDING
Commercial espresso and coffee equipment leasing
Lease the espresso machine, the grinders and the rest of the cafe together, or a fleet of bean-to-cup machines for offices. We finance cafes, roasters, offices and office coffee operators, new or used, from any dealer, when the package comes to $10,000 or more.
A single machine, or the whole bar?
Transactions start at $10,000. A single small espresso machine or grinder that costs less than that does not qualify on its own.
A cafe package or bundle of $10,000 or more does: a multi-group machine with its grinders, water treatment and refrigeration, a full cafe build-out, a roaster, or a fleet of bean-to-cup machines for offices.
What we finance
New or used, from any dealer, auction or private seller. We finance La Marzocco and other makes from any dealer, and we are not affiliated with any manufacturer.
- Multi-group commercial espresso machines
- Espresso and bulk coffee grinders
- Superautomatic and bean-to-cup machines
- Batch brewers, urns and hot water towers
- Cold brew and nitro systems
- Water filtration and treatment
- Under-counter refrigeration, ice machines and blenders
- Coffee roasters, afterburners and ducting
- Cafe counters, millwork and installation
- POS, when bundled with the cafe equipment or $10,000 and up
- Office coffee fleets for one site or several
- Smart vending machines and micro-market kiosks
Coffee equipment financing by situation
Cafes and coffee shops
Re-equip the bar or add a second location: espresso machine, grinders, brewers, water treatment and refrigeration on one agreement. See also restaurant equipment financing.
New cafes
We don't finance restaurants or cafes in their first year under current ownership. An established cafe adding a location can put the equipment, counters and installation on one agreement. A new coffee roastery is different: it is considered on the owner's personal credit and experience.
Coffee roasters
Production roasters with the afterburner, ducting, green storage and installation. See coffee roaster financing.
Offices and bean-to-cup fleets
Superautomatic and bean-to-cup machines across one office or several, and fleets placed by office coffee operators. See office equipment leasing.
Hotels, restaurants and convenience stores
Self-serve coffee stations, lobby bars and breakfast service. See hotel and hospitality equipment financing.
Ice and cold drinks
Nugget ice makers and dispensers bought with the espresso bar. See commercial ice machine leasing.
What it costs to lease an espresso machine
There is no single price, because four things set the monthly payment. To estimate one, take the dealer's quote total, installation included, and enter it in the equipment lease calculator for a range across 24 to 60 months. For a firm number, send the quote through the form below.
The whole bar, not just the machine
The espresso machine, plus grinders, water treatment, refrigeration, counters and installation. A cafe package is a very different agreement from a fleet of office machines, and either can be financed as one.
The term
Terms run from 24 to 60 months. A longer term lowers the payment; a shorter term costs more each month and less in total.
The end-of-term option
Most cafe owners want to own the bar, which means a $1 buyout lease or an equipment finance agreement. A fair market value lease has a lower payment and suits an office fleet that will be replaced on a fixed cycle.
The business applying
Time in business, credit history and the size of the transaction. Up to $150,000 is usually decided on a one-page application without financial statements.
Leasing company or dealer financing?
Espresso machine dealers and manufacturers sometimes offer their own finance programs, and they are worth asking about. They usually cover only the equipment that dealer sells.
An independent lease can put a machine from one dealer, grinders from another, refrigeration, the counter and used or refurbished equipment on one agreement. Getting both quotes is the simplest way to compare.
FREE QUOTE
Get a custom quote in minutes
Tell us what equipment you need — from any list above, or something that is not on one. An ACG specialist follows up, typically within 24 hours, with options built around your business.
Business equipment financing. $10,000 minimum. We do not finance personal or household purchases.
- — NO OBLIGATION, NO HARD CREDIT PULL
- — NEW OR USED, ANY VENDOR
- — OR CALL (949) 822-3017
Three steps to your equipment
01
Request a quote
Use the form above or call (949) 822-3017. No obligation and no hard credit pull to get a number.
02
Secure approval and sign
Most decisions come back the same day. Documents are signed online.
03
Order your equipment
We deal with the vendor directly — payment, inspection and delivery — so you can keep running the business.
Coffee and espresso equipment financing questions
Can I lease a commercial espresso machine?
Yes, as part of a package of $10,000 or more. Multi-group espresso machines are leased new or used from any dealer, and the grinders, water treatment, refrigeration and installation go on the same agreement.
Can I finance a single espresso machine or grinder?
Not on its own if it costs under $10,000, and many small espresso machines and grinders do. Transactions start at $10,000. A cafe package or bundle, such as the machine with grinders, water treatment, refrigeration and the counter, that comes to $10,000 or more does qualify.
How much does it cost to lease an espresso machine?
The payment depends on the total cost of the machine and everything bought with it, the term of 24 to 60 months, the end-of-term option and the business applying. Send the dealer's quote through the form on this page and we return payments for each term, usually the same business day.
Can I lease a coffee machine for my office?
Yes, when the order comes to $10,000 or more. A fleet of bean-to-cup or superautomatic machines across one office or several, with water filtration and installation, is financed the same way as cafe equipment. A single office brewer on its own does not qualify.
Can I finance a new coffee shop?
No. We don't finance restaurants or cafes in their first year under current ownership. An established coffee shop can put the espresso machine, grinders, brewers, refrigeration, counters and installation on one agreement. A new coffee roastery is different: it is considered on the owner's personal credit and experience.
Can I finance a coffee roaster?
Yes. Roasters are financed new or used, including the afterburner, ducting, green coffee storage and installation.
Do you finance used espresso machines?
Yes. Used and refurbished machines from a dealer, an auction or a private seller finance the same way as new, as part of a package of $10,000 or more.
Can I lease a La Marzocco espresso machine?
Yes. We finance La Marzocco and other makes from any dealer, new or used, as part of a package of $10,000 or more. We are not affiliated with any manufacturer, and we pay the dealer directly once the agreement is signed.
Know what you need?
An application takes a few minutes and most decisions come back the same day. If you would rather see a payment first, the calculator gives you a range without asking for anything.