A cafe owner can call (865) 326-1090 or fill in the request form; Boldwick passes the request along, and a funding partner makes any offer.
A new and a refurbished pastry oven priced on the same 36-month terms, a soft-serve machine on a 48-month loan without its water line, a card-sales advance with its holdback days, and Sevier County, TN counts.
At a glance
- Snack and nonalcoholic beverage bars, Sevier County, TN
58 (CBP 2023, NAICS 722515)
- Annual payroll at those employers
$12.3 million (CBP 2023)
- Beverage bars with a ZIP 37862 address
14 (ZIP Code Business Patterns 2023)
- Beverage bars with fewer than 5 employees, county
19 (CBP 2023)
What a Sevierville, TN cafe prices before financing a convection oven for pastries
A countertop or half-size convection oven lets a coffee shop bake croissants and muffins on site instead of buying them in. For a request, the oven is the cost, and a few things are worth settling first:
- The oven quote, with the model, the number of pans it holds and the delivery charge
- Whether the oven runs on a standard outlet or needs a dedicated circuit
- Whether the local fire code or the landlord calls for a hood over it, which is property work outside this site
- Any matching undercounter refrigerator for dough, priced on the same quote
Once the hookup question is answered, the amount on the equipment financing request is the oven and its stand. A funding partner may ask for the quote, bank statements and time in business.
A new oven or a refurbished one: two invented quotes for a Sevier County, TN coffee shop
Illustration only, invented figures: a Sevier County, TN coffee shop has two oven quotes: a new unit at $9,860 and a refurbished one at $6,240. It prices both over 36 months at a 12.2% annual rate to see what the gap really is.
| Quote | Per month | Total of 36 payments | Interest |
|---|---|---|---|
| New, $9,860 | $328.44 | $11,823.84 | $1,963.84 |
| Refurbished, $6,240 | $207.85 | $7,482.60 | $1,242.60 |
The refurbished oven costs $120.59 less each month and $4,341.24 less over the full term in this invented case. What that buys is shorter remaining life and whatever warranty the seller puts in writing, so the owner compares the two quotes line by line, not just the price.
A soft-serve machine at a Sevierville, TN snack bar: the machine is equipment, the water line is not
Soft-serve fits a snack bar or a coffee shop that sells cones and shakes. Illustration only, invented figures: a Sevierville, TN snack bar prices a twin-flavor machine at $17,240 and requests 48 months at an 11.85% annual rate.
In this invented case, that comes to a $452.73 monthly payment. The 48 payments total $21,731.04, and the interest inside them is $4,491.04, by our arithmetic.
An air-cooled machine plugs into a dedicated outlet; a water-cooled one also needs a water supply and a drain. Those lines, and any new circuit, are property work outside this site, so the request stays at the machine price and the plumber or electrician bills separately.
A card-sales advance at a Sevier County, TN coffee shop: the fixed total and the days of holdback
A merchant cash advance buys part of a cafe's future card sales for a fixed total instead of charging interest. Illustration only, invented figures: a coffee shop takes $8,600 at a 1.26 factor, so $10,836.00 is owed back from card sales.
With an invented 10% holdback and $940 in card sales a day, $94.00 goes to the provider each day of sales. Delivering the full $10,836.00 takes about 116 days of card sales, by our arithmetic, and the cost of the advance is $2,236.00 whatever the timing.
A day with fewer card sales sends less to the provider, and a stronger day sends more. The fixed total is the figure to compare with a loan's interest before choosing. A provider may look at several months of card statements before setting the holdback.
Coffee shops, juice bars and ice cream counters share one Census code in Sevier County, TN
Coffee shops share a Census code with juice bars, ice cream counters and other snack bars: snack and nonalcoholic beverage bars (NAICS 722515). County Business Patterns counted 58 of them with employees in Sevier County, TN in 2023, with $12.3 million in annual payroll; 19 had fewer than five employees.
Fourteen of those employers had a ZIP 37862 address, per ZIP Code Business Patterns. Nonemployer Statistics counted 7 snack and beverage bars with no paid employees in the county for 2024. A coffee shop with a few employees and one with none can each send a request, and a partner may review bank statements and time in business either way.
Restaurants have their own page, linked from the industries page, and the Sevierville, TN page gives the office address.
By Boldwick Funding Group · Updated
