Trusted partner of the San Franciscan Roaster family
Invest in American Craftsmanship
Financing makes owning a handcrafted, lifetime roaster more accessible than ever
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Preserve Your Capital
Keep working capital for green coffee, marketing, and business growth while your roaster pays for itself
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Fast Approval Process
Most applications receive an instant decision. Start roasting sooner with streamlined financing
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Tax Advantages
Section 179 allows you to write off up to 100% of your roaster in year one—consult your tax advisor
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Flexible Terms
Choose from 24 to 60-month terms designed to match your cash flow and business model
Calculate Your Monthly Investment
See how affordable your handcrafted roaster can be
Estimated Monthly Payment
$885
Based on qualified credit (7.9% APR)
Amount Financed
$23,400
Total Interest
$6,700
Total Investment
$30,100
The San Franciscan Advantage: An SF-10 roasts up to 40 lbs per hour.
At $15 per pound retail value, that's $600 per hour in revenue potential.
With proper operation, your roaster can generate returns that far exceed your monthly payment.
Guaranteed for Life
Each San Franciscan Roaster™ is covered by a Lifetime Warranty on materials and fabrication work.
All roasters come with guaranteed personal support for the roaster's entire lifetime.
When you finance with us, you're investing in a machine built to last generations.
From the San Franciscan Family
Real roasters sharing their financing experience
"The financing process was incredibly smooth. I was approved quickly and had my SF-6
delivered within weeks. The payments fit comfortably within our budget, and the roaster
paid for itself faster than expected."
Sarah Martinez
Owner, Mountain Peak Coffee
"As a startup roaster, preserving cash was critical. Financing allowed us to get a
premium, American-built roaster without depleting our reserves. Best business decision we made."
James Chen
Founder, Artisan Roast Co.
"The finance team walked me through Section 179 benefits. Between the tax deduction and
revenue our SF-25 generates, financing was clearly the smart choice over paying cash."
Michael Thompson
CFO, Sunrise Coffee Roasters
Become Part of the San Franciscan Family
Your journey to owning a lifetime roaster starts here
1
Apply Online
Quick application with soft credit check—no impact to your score during pre-qualification
2
Get Approved
Receive instant decision for qualified applicants or response within hours
3
Start Roasting
Sign documents and schedule delivery of your handcrafted San Franciscan Roaster™
✓ No impact to credit during pre-qualification
✓ Instant decisions for qualified applicants
✓ Flexible terms for businesses of all sizes
✓ Dedicated support throughout the process
Frequently Asked Questions
Everything you need to know about financing your roaster
What credit score do I need to qualify?
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For established businesses (2+ years in operation), we typically look for a 640+ FICO score.
Newer businesses (under 2 years) generally need a 700+ score. However, we evaluate each
application holistically, considering cash flow, industry experience, and your business plan.
Don't hesitate to apply—we work with roasters at various stages of their journey.
How long does the approval process take?
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Most applications receive an instant decision. In some cases where we need additional
documentation, the process typically extends to 2-4 hours. Complex applications are
usually resolved within 24 hours. We understand you're eager to start roasting, so we
work efficiently to get you approved.
What are the tax benefits of financing equipment?
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Under Section 179, you may be able to deduct the full purchase price of qualifying equipment
in the year you put it into service. This can significantly reduce your tax burden and improve
your cash flow. Many of our roasters have used this deduction to make their investment even more
affordable. We recommend consulting with your tax advisor to understand your specific benefits.
Can I pay off my loan early without penalties?
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Yes! There are no prepayment penalties on our financing. You can pay off your loan at any
time without additional fees, which can save you money on interest. As your business grows
and cash flow improves, you have complete flexibility.
What if I'm a startup with limited credit history?
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We work with startup roasters regularly and understand the unique challenges you face.
For new businesses, we typically require a 700+ personal credit score, at least 3 credit
tradelines, and we may initially limit financing to $50,000. A strong business plan and
industry experience can strengthen your application. We're here to help you get started
in the specialty coffee roasting industry.
Does financing affect the lifetime warranty?
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Absolutely not. Whether you finance or pay cash, every San Franciscan Roaster™ comes with
our Lifetime Warranty on materials and fabrication work, plus guaranteed lifetime support.
Your investment is protected the same regardless of how you purchase.
Typical Qualification Guidelines
Established Businesses (2+ years): 640+ FICO, 3+ comparable tradelines
New Businesses (Under 2 years): 700+ FICO, 3+ tradelines, no bankruptcies or charge-offs, up to $50K financing
Don't meet these exactly? Apply anyway—we review each application individually and consider
the full picture of your business.