Revenue-Based Financing for Bubble Tea Shop
Manu helps bubble tea shop owners across the United States get matched with the right lender — fast. Pre-qualify in minutes through Manu's partner application — access a 75+ lender network with real, competitive offers, no hard credit check.
How bubble tea shop businesses use this financing
Common uses of funds:
- Tea brewers, sealing machines, and tapioca cookers
- Storefront build-out and self-order kiosk installation
- Franchise fees and branded cup inventory
- Working capital for tea leaf and topping supply
Typical loan size: Most bubble tea shop loans fall between $25K and $250K, with franchise build-outs and multi-unit deals running $350K to $700K.
Seasonality: Bubble tea shops surge in the hot summer months and around back-to-school, with cooler-weather slowdowns common in winter.
Most common reason for decline: Lenders most often decline bubble tea shops with short operating histories, heavy franchise debt, or location dependence on student foot traffic.
Best-fit products for bubble tea shop: Equipment Financing, Working Capital Loans, Lines of Credit.
Capital use cases for bubble tea shop businesses
- Tea station equipment: A $25K–$75K equipment loan funds tea brewers, sealing machines, and tapioca cookers, financed over 3–5 years to speed service during peak summer rushes.
- Franchise build-out: Owners borrow $30K–$100K via a working capital loan to cover franchise fees, kiosks, and branded cup inventory, repaid over 18–36 months as the store ramps up.
- Summer supply bridge: A $20K–$60K line of credit stocks tea leaves and toppings ahead of the hot-weather and back-to-school rush, repaid quickly from peak seasonal sales.
Funding options for bubble tea shop businesses
Why Bubble Tea Shop owners choose Manu
How bubble tea shop business loans work with Manu
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Other funding options for bubble tea shop businesses
Frequently asked questions
What kind of business loans can Bubble Tea Shop owners qualify for?
Through Manu's partner application, bubble tea shop owners can access small business loans ($10K–$10M), SBA 7(a) and 504 loans ($50K–$5M), business lines of credit, equipment financing, merchant cash advances, accounts receivable financing, and inventory lines. Terms are tailored to your revenue and time in business.
How fast can a Bubble Tea Shop business get funded?
Lines of credit and merchant cash advances can fund the same day for qualifying bubble tea shop businesses. Small business loans and equipment financing typically fund in 1–3 business days. SBA loans take 4–10 weeks due to government underwriting.
What credit score do I need for Bubble Tea Shop financing?
Minimum FICO depends on the product: equipment financing starts at 550, small business loans at 580, lines of credit at 600, and SBA loans at 660. Merchant cash advances and accounts receivable financing have no minimum FICO — they're underwritten on revenue and receivables instead.
Will applying hurt my credit score?
No. Pre-qualification uses a soft credit check that does not affect your credit score. A hard pull only happens if you accept a final offer from a lender.
What documents do Bubble Tea Shop businesses need to apply?
To pre-qualify, you'll share basic business information plus your most recent 3 months of business bank statements. To finalize an offer, most lenders ask for 3–6 months of bank statements in total. Larger loans may also require tax returns or financial statements.
Sources & references
Loan-product criteria, funding-speed ranges, and credit-score thresholds on this page are validated against current lender requirements and the following primary sources: