Short answer
Own a The Human Bean drive-thru? Merchant Fund Express funds it six ways, from a line of credit to equipment financing, for $5,000 to $5,000,000. Owners use it for espresso gear, coffee and supply orders, staff wages and a second lane or stand. A complete file usually gets a decision in 2–4 hours, with same-day funding available.
Every way to fund your The Human Bean location
Already running a The Human Bean location and need capital? Merchant Fund Express funds existing franchise owners with every structure below, from $5,000 to $5,000,000, on one application. Terms depend on the business's revenue and history.
| Product | What it does at a The Human Bean location |
|---|---|
| Business loan | A lump sum for a lane addition or conversion. |
| Merchant cash advance | Repaid from card sales at the window. |
| Revenue-based financing | A payment that tracks monthly sales. |
| Line of credit | A revolving limit for roasted coffee and supplies. |
| Equipment financing | Espresso machines, grinders, blenders and refrigeration. |
| Working capital | Staff wages and a new stand's first months. |
What The Human Bean owners call about
Supply-driven costs
The franchisor earns on coffee and supplies, so inventory is the biggest bill.
The morning rush
A slow machine at 7 a.m. costs the day's best hour.
Equipment ages together
Around $90,000 of gear goes in before opening and wears out on one schedule.
Adding a lane or stand
Owners grow with a second window or another drive-thru.
Fastest fit for each The Human Bean need
| The need | Usually fits | Send with the application |
|---|---|---|
| Espresso machine or grinder | Equipment financing | Vendor quote |
| Coffee and supply order | Line of credit | Supplier invoice |
| Second window or lane | Business loan | Contractor bid |
| Wages in a slow month | Working capital | Payroll per period |
| Another drive-thru | Second location | Budget and site plan |
Reading a The Human Bean file fast
The disclosure document lists no royalty; the franchisor earns on required coffee and supply purchases, plus a 1% brand fee that can rise to 2%. It also budgets $20,000 to $75,000 of additional funds for the first 90 days.
So the supply bill is the number to watch. Merchant Fund Express reads deposits against supply purchases, rent and current payments, and a line of credit is often the natural fit.
How fast it moves, and what to send
- Apply in about 4 minutesName The Human Bean as the brand, the amount and the job the money does.
- Send three months of statementsBusiness bank statements for the entity that owns the location, plus photo ID for each owner.
- Decision in 2–4 hoursA specialist reads deposits and current payments, then returns the fit.
- FundsSame-day funding is available; funding often lands the next business day.
A The Human Bean file, start to finish (hypothetical)
A The Human Bean owner wants a second espresso machine to speed the morning lane and a bigger supply buffer. They ask for $32,000: $18,000 for the machine and a $14,000 limit for coffee orders. A specialist could finance the machine and set a line.
Illustration only. It shows how a request gets sized; it is not a past deal or an offer.
The Human Bean at a glance (public sources)
From The Human Bean's franchise site and its 2026 disclosure document. Investment range and state count differ between sources, so both are left out.
Sources: cards.commerce.state.mn.us (download) · franchise.thehumanbean.com (faq) · franchise.thehumanbean.com (site development) · franchise.thehumanbean.com (available markets). Checked Oct 2026. Figures change with each disclosure year; confirm current terms with the franchisor. Anything we could not verify is left out.
Owner questions, answered
With no royalty, does the review change?
It still reads deposits after costs; supply purchases are the main recurring cost subtracted.
How quickly can I get funded?
Usually a decision in 2–4 hours on a complete file, with same-day funding available.
Can I finance a second espresso machine?
Yes. Send the quote; it is a routine request.
What credit score is accepted?
500+ FICO, and no tax returns are needed to apply.
Are you affiliated with The Human Bean?
No. We have no business tie to The Human Bean or the company that franchises it, and neither has endorsed us. The name is on this page only so The Human Bean owners can find funding written for their locations.
Keep going
Not affiliated with or endorsed by The Human Bean or its franchisor. Merchant Fund Express is a separate, independent company; the brand appears here so its owners can find this page. Terms depend on the business's revenue and history.