Coffee Machine Finance Australia
Buddy Capital funds commercial coffee equipment for cafes, roasters and coffee-led venues across Australia. Weekly rentals, no upfront cost (subject to approval), terms from 12 months to 5 years, and funding up to $250,000. New or refurbished machines, your choice of roaster, no bean-supply lock-in. Quotes back same-day, approval typically inside 48 hours.
What Does Buddy Finance?
If you’re financing a full kitchen fit-out with combi ovens, walk-in fridges and front-of-house furniture, Buddy can still play a part on the coffee side. Other parts of that build often suit a broader hospitality financier.
Best for
Find more information on our Educate Me Page
Comparison: rental, lease, chattel mortgage, "free" machine
Comparison: rental, lease, chattel mortgage, "free" machine
Tax treatment varies by entity, structure and asset. Don’t take any of those rows as accounting advice. Run your scenario past your accountant.
Worked examples
Worked examples
These ranges assume standard credit profile and don’t lock in pricing. Use them to sanity-check what’s possible, then run your actual deal through the rental calculator.
Small bar setup, around $15,000 funded
2-group machine refurb, single grinder, basic water filtration. Term 36 months. Weekly payment typically lands in the $130 to $170 range.
Standard cafe build, around $30,000 funded
2-group new machine (Sanremo, Brewtech, La Marzocco Linea Classic tier), two grinders, water filtration, knock box, accessories. Term 48 months. Weekly payment typically $230 to $290.
Multi-bar or roastery wholesale pool, around $60,000 funded
3-group new machine plus second-bar setup, multiple grinders, full water spec, undercounter milk fridges. Term 60 months. Weekly payment typically $400 to $490.
The longer the term, the lower the weekly.
Operator scenario
Operator scenario
Maddie’s opening her second venue. For venue two she’s got the deposit money sitting in the build budget and wants to put it into the fit-out, not the coffee gear. She rings Buddy on a Tuesday with a $34,000 quote from Sanremo. Approved Thursday. Equipment lands two weeks later. Weekly rental of about $255 starts the week she opens. She picks her roaster (the same one as venue one) and negotiates her own kg rate, which lands 12% below what the roaster offered on a “free machine” package.
That is what Buddy’s model is built for: cash stays in the build, bean pricing stays competitive, and equipment lands on time.
Common questions
How much can I borrow for coffee equipment?
Funding goes up to $250,000 per deal. Most cafe builds sit in the $15,000 to $60,000 range. Roasteries doing wholesale machine pools often run higher.
Do I need a trading history?
Can I finance refurbished gear?
Yes. Buddy’s refurbished inventory is one of the strongest cards in the deck for operators who want commercial-grade machines without new-machine pricing. Refurbished pricing is typically benchmarked against a 12-month contract. Check the refurbished page for current stock.
What happens at the end of the term?
Three usual paths. Buy the machine out at residual. Upgrade to newer gear and start a fresh term. Hand it back. Some operators do a fourth: keep paying month-to-month past term while they decide.
Is it tax deductible?
Rental payments are typically deductible as a business expense. The detail depends on your entity structure and how the deal is written. Talk to your accountant before signing.
Can I use my own roaster?
Yes. Buddy funds the equipment, you pick the roaster, and you negotiate beans on their merits rather than bundled into a finance agreement.
How long does approval take?
Same-day quote, 48-hour typical approval for clean deals. Complex deals (multi-site, larger funding) can take 3 to 5 business days.
