Espresso Capital

Espresso Capital is a nonbank lender focused on venture debt and non-dilutive growth financing for technology, healthcare, and other high-growth companies. Founded in 2009 by former software entrepreneurs, it operates across the United States, Canada, and the UK with offices in Toronto, San Francisco, Chicago, and London. Espresso provides lines of credit, term loans, and venture debt facilities ranging from $5 million to $25 million — sized for companies with meaningful revenue rather than early-stage startups. Minimum monthly revenue of $500,000 is required; there is no minimum credit score or time-in-business requirement, which reflects the equity-backed, venture-oriented borrower profile the firm targets. In 2023 the company closed a $200 million credit facility led by KeyBank, signaling institutional backing for continued growth. Espresso appears well suited for venture-backed or revenue-generating tech and healthcare companies seeking capital without equity dilution. Borrowers outside those verticals or below the revenue threshold are unlikely to qualify.