County Business Patterns counted 91 snack and nonalcoholic beverage bars, the category that includes coffee shops, with paid staff in Benton County, WA in 2023.
Truewell Business Loans helps Kennewick, Washington coffee shop owners request equipment financing, credit lines and term loans. Benton County, WA had 91 snack and nonalcoholic beverage bar employers in 2023; funding partners review each request and decide.
At a glance
- Coffee and snack bars
Snack and nonalcoholic beverage bars (NAICS 722515), Benton County, WA: 91 employers with 858 paid employees (CBP 2023)
- Coffee bar payroll
Snack and nonalcoholic beverage bars annual payroll, Benton County, WA: $22.5 million (CBP 2023)
- Coffee bars in ZIP 99336
Snack and nonalcoholic beverage bars with a ZIP 99336 address (Kennewick, WA): 35 employers (ZBP 2023)
- Small coffee bars
Snack and nonalcoholic beverage bars with fewer than five employees, Benton County, WA: 33 of 91 (CBP 2023)
Small Business Loans for a Coffee Shop Around Kennewick, WA: Pastry Cases and Grinders
A pastry case, a set of grinders, a brewer and a refrigerated grab-and-go case make up the second tier of coffee shop equipment after the espresso machine. Each is modest on its own; financed together on one request, they spread the cost over the years they serve. Coffee shops in the county are mid-sized for food businesses: 33 of the 91 employers had fewer than five employees in 2023 (County Business Patterns).
Many owners buy smallwares such as pitchers, tampers, scales and blenders outright and finance only the larger pieces, which keeps the request focused on items with resale value.
Coffee Shop Financing for Kennewick, WA Cafe Owners Buying Espresso Machines
A commercial espresso machine is the costliest piece behind the counter, and many cafes lease or finance it. Machine vendors, roasters and independent equipment lenders all offer terms; some roaster agreements bundle a machine with a coffee supply contract.
In an invented example, a $28,000 two-group espresso machine and two grinders over 48 months at an invented annual rate of 11% come to about $724 a month and about $34,736 in total (invented). If a roaster offers a machine "included" with a supply contract, compare the coffee price under that contract with an open-market price; the machine cost may sit in the beans.
Service matters as much as price. A machine that is down on a Saturday morning costs a day of sales, so ask whoever finances it who handles repairs, how parts are sourced, and whether a loaner machine is part of the deal.
Business Loans for Coffee Shop Owners: Covering Build-Outs in Benton County, WA
A cafe build-out covers plumbing and floor drains, electrical for the machines, counters and millwork, seating, lighting and sometimes a drive-through window. It is one project with a contractor bid, which suits a term loan. Permits and plan review come first; the Kennewick zoning and permit guide explains where those questions go.
In an invented example, a $90,000 build-out over 72 months at an invented annual rate of 10% runs about $1,667 a month and about $120,047 in total (invented).
Cafe Business Loan: How Benton County, WA Cafe Owners Use It for Second Locations
A second location doubles the build-out and equipment bill and adds a new crew. Partners read the first cafe's card sales, the second site's lease and bid, and the owner's plan for staffing both. A cafe business loan for the second site often comes as a term loan with an equipment piece.
If the second site is a kiosk or drive-through with a small footprint, the equipment may be most of the cost, and equipment financing alone may cover it.
Drive-through sites have their own costs: the window, a menu board, an order speaker and headset system, and often a second espresso machine so the window and the counter do not wait on each other. A partner reading a drive-through request wants the traffic plan the city approved, because the approval shapes when the site can open and start paying.
Opening a Second Cafe? How Benton County, WA Cafe Owners Handle Bean Inventory
Truewell does not arrange startup loans, so opening a cafe from scratch is outside the request. Opening a second cafe is not. Bean, milk, cup and pastry orders are recurring inventory, and a second shop roughly doubles them. A line of credit drawn for each roaster and dairy invoice and paid down from card sales follows that pattern.
Card-heavy cafes are also offered merchant cash advances. An advance collects a share of daily card sales and is not a loan; the cash advance page shows how to compare its dollar cost with a loan or line.
Snack and Nonalcoholic Beverage Bars in Benton County, WA Census Counts
| Measure | Value |
|---|---|
| Employer establishments (722515) | 91 |
| Paid employees | 858 |
| Annual payroll | $22.5 million |
| Employers with fewer than 5 employees | 33 |
| Employers with a ZIP 99336 address | 35 |
The category also covers juice bars, smoothie shops and similar counters, not only coffee. Another 15 businesses in the category ran without paid employees in 2024 (Nonemployer Statistics).
Restaurants and grocers have their own pages: restaurant loans and grocery store loans.
By Truewell Business Loans · Updated
