Most capital isn't built for businesses where cash moves in cycles like coffee. We work with single-origin roasters to multi-outlet operators who need a partner that understands the business, not just the numbers.
Capital to help you buy beans at the right time
Harvest season happens only a few times a year. We provide working capital structured around buying windows, so when the right lot is available, you move.
Capital to back the next outlet
You figured out what works in your first few outlets. Now you've found a new spot to expand and need to renovate, pay rent, and buy equipment. We get you capital that repays as your business actually earns.
Support beyond the capital
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Run every outlet like you're standing in it
As your business grows, it gets harder to control and see how things are going across the board. KarmaServe, our ERP including POS/Inventory/Purchasing/Bookkeeping, gives you the tools to control daily operations and make decisions based on what's actually happening on the ground.
Hangout with other Karmapreneurs over coffee
We bring our coffee founders together to connect, talk, and have a good time together. From cupping sessions, dinners, or the occasional deep dive, we create spaces for conversations and advices from people who understand it from the inside.
"From the start, KarmaClub felt different. When we opened our Wijaya branch, it was like having a whole team of cheerleaders behind us."
THEIR STORY: KOPI KALYAN
Expanding without franchising, at their own pace
Co-founded by three best friends—Iman, Dicky, and Putri—Kopikalyan was built to serve good coffee and food while actively supporting Indonesian farming families through sustainable sourcing. Combining their expertise in finance, architecture, and operations, they grew the brand into four thriving outlets spanning Jakarta to Tokyo.
By 2021, they were ready to scale but faced a common F&B dilemma. Traditional investors often demand rapid, misaligned expansion while franchising risks diluting a brand's unique culture and quality. The founders needed another path.
We believe brands succeed because of the founders' passion. From the start, we build relationships as friends and partners, focusing on the owner's vision. With Kopi Kalyan, we started by backing the Wijaya branch and over time grew to support their Menteng and Surabaya expansions.
Today, whenever they are ready to open a new branch, we are ready to back them up. We stay close as a thinking partner as the business develops, giving them clarity and control so they can continue to grow on their own terms.
Our coffee partners across the chain
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