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BreadRoute Review
Espresso Capital
4.0Our Espresso Capital Review
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.
Who Is Espresso Capital Best For?
Based on eligibility requirements and available products.
- Businesses where credit score is not a primary factor
- New businesses with limited operating history
- Businesses with commercial real estate financing needs
- Businesses that need flexible, revolving access to capital
Financing Options
Eligibility Requirements
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Quick Overview
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Other Nonbank Lender lenders
Espresso Capital Pros & Cons
Pros
- No minimum credit score requirement
- Startup-friendly no seasoning requirement
- Lends nationwide
- High loan amounts available
Cons
- Requires $500,000+ in monthly revenue
Frequently Asked Questions
Espresso Capital offers financing in the range of $5 Million to $25 Million.
Espresso Capital does not apply a strict minimum credit score requirement, making it accessible to a wider range of businesses.
Espresso Capital offers the following financing products: Venture Debt, Line of Credit, Term Loan.
Espresso Capital requires a minimum of No Minimum Time in Business in business. Newer businesses may want to explore alternative lenders with lower seasoning requirements.
Espresso Capital provides financing to businesses across the United States.
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