poppyfinance

Loans for cafés, restaurants and hospitality businesses.

Replace a coffee machine, refit the kitchen, open a second venue or get through a quiet winter. Short-term loans assessed on your card takings, not a pile of paperwork.

Check eligibility Estimate repayments

Takes about 3 minutes. Checking eligibility doesn’t involve a credit check.

What hospitality businesses borrow for

  • Equipment: espresso machines, grinders, combi ovens, fridges and dishwashers
  • Fit-outs and refurbishments: new seating, a bar refit or a kitchen upgrade
  • A second venue or a food truck: the deposit, fit-out and opening stock
  • Seasonal gaps: keeping your team on through winter or the January slowdown
  • Catering contracts: buying stock and hiring staff before the first payment

Why Poppy suits hospitality businesses

Banks often struggle with hospitality: margins are tight, sales move with the seasons, and the business may lease rather than own its premises. We look directly at your card takings and bank deposits, so we can see your real trading pattern, including your busy and quiet months.

We then size the loan so the fixed weekly repayment is affordable in your quieter weeks, not just your best ones.

How it works

  1. Check eligibility. Tell us about your business in a 3-minute form. No documents and no credit check at this stage.
  2. Connect your bank. Share read-only business bank data through a secure link, so we can see how you actually trade.
  3. Review your offer. You get one summary: the loan amount, the term, your weekly repayment and the total to repay, including all fees.
  4. Get the funds. Sign online and the money is paid to your business account.

Who can apply

  • A registered business in Australia (with an ABN) or New Zealand (with an NZBN)
  • Trading for 6 months or more
  • Around $10,000 or more in monthly sales
  • A business bank account with regular deposits we can see
  • The loan is for a business purpose, not personal or household spending
Illustrative example · Melbourne café How a café could replace its espresso machine before it dies mid-rush A $40,000 loan over 12 months, repaid at $962 a week. See the example →

Common questions

Can I get a loan for a new café?

We need at least 6 months of trading history. If you’re opening a second site and your first has been trading for 6 months or more, you can check your eligibility.

Do you lend to bars, pubs and takeaways?

We lend to many kinds of hospitality businesses. Check your eligibility and we’ll let you know quickly if your business isn’t a fit.

Can I use a loan for a kitchen fit-out?

Yes. Fit-outs, refurbishments and equipment are all common uses.

Related

Equipment loansMachinery, tools, vehicles and technology. Working capital loansCover stock, wages and seasonal gaps. Business loans MelbourneShort-term loans for Melbourne businesses. Loan examplesTen illustrative examples of how a Poppy loan could work.

See what your business could borrow

Takes about 3 minutes. Checking eligibility doesn’t involve a credit check and doesn’t commit you to anything.

Check eligibility Estimate repayments