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Finding financing and other business resources can be a challenge for any small business. Maybe you don’t know where to look, or maybe there are just too many options and you have no idea where to begin. If you’re a small business owner in Ohio that needs help finding the right resources for your business, you’re in the right place.

In this post, we’ll explore the different financing resources available to your small business. We’ll review our picks for online business lenders that make the loan process faster and easier than ever. We’ll take a look at local banks, credit unions, and nonprofit lenders that offer financing to Ohio businesses. We’ll even explore small business grants that can put free money into your business. Whether you’re just starting a business in Ohio or your established business is ready to grow, there’s an option out there for you. And after reading this post, you’ll know exactly where to find it!

Online Business Lenders For Ohio Businesses

Finance Fund Capital Corporation

Small business owners are often strapped for time. From managing day-to-day operations to planning an expansion or gearing up for an upcoming busy season, it’s difficult to find enough hours to tackle your daily tasks, much less pile anything else on your plate. You need capital, but you just don’t have the time to sit on a phone with a lender or head into a bank to pitch your business.

Or maybe you have the time to get a loan, but you fall short in another area. Your credit score is low. Your time in business is too short. Your annual revenues aren’t where they need to be to qualify for a bank loan.

Whether it’s time, borrowing requirements, or some other issue that’s keeping you from applying for a small business loan, there’s an alternative: an online business loan.

You probably already use the internet to perform tasks for your business: bookkeeping, communicating with clients and suppliers, or ordering inventory, just to name a few. Why not leverage the internet to find the capital you need to start your business, grow your brand, or overcome a financial hurdle?

With online lenders, you can apply for your loan without ever stepping foot into a bank or office. You can shop your options, learn about requirements, and compare lenders from your computer or smartphone. Some lenders can even give immediate approvals and send over your funds in as little as one business day.

In addition to ease and speed, online lenders are opening up more opportunities than ever for small business owners. Bad credit? No business credit? Low revenues? Startup? No problem — there’s an option out there for you.

Ready to find an online lender? Instead of weeding through thousands of search engine results to find legitimate options, start your search with these lenders.

Lendio

information technology

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Lendio makes shopping for the best financial product easier than ever. This loan aggregator has over 75 financial partners that you can reach through one simple application. You can compare multiple lender offers to find the most affordable option for your Ohio small business. From long-term, low-interest Small Business Administration loans to merchant cash advances, Lendio has it all.

Some of the financial products offered to small businesses through Lendio’s network include:

  • SBA Loans: Up to $5 million with terms up to 25 years
  • Term Loans: Up to $2 million with terms up to 5 years
  • Commercial Mortgages: Up to $5 million with terms up to 25 years
  • Startup Loans: Up to $750,000 with terms up to 25 years
  • Lines Of Credit: Up to $150,000 with terms up to 2 years
  • Short-Term Loans: Up to $500,000 with terms up to 3 years
  • Equipment Financing: Up to $5 million with terms up to 5 years
  • Merchant Cash Advances: Up to $200,000 with terms up to 2 years
  • Accounts Receivable Financing: Up to 80% of receivables with terms up to 2 years
  • Business Acquisition Loans: Up to $5 million with terms up to 25 years
  • Business Credit Cards: Up to $500,000

Filling out the application is quick and easy, and there’s no impact to your credit until you accept an offer. Depending on the type of financing you select, you could have the capital you need in as little as 24 hours. Borrower requirements and required documentation vary based on the product selected. Rates and terms vary by lender.

SmartBiz

low-interest loans

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If you’ve been in business for some time, you’re probably at least aware of the Small Business Administration. If not, you’re missing out on a very important resource. The SBA is not just an advocate for small businesses but also provides competitive, long-term loan options.

The SBA is not a direct lender. Instead, this organization guarantees small business loans distributed through its programs. Nonprofit organizations, banks, credit unions, and other lenders can feel more secure in taking on the risk of small business lending. Meanwhile, this opens the door for low-cost loan options for small business owners in Ohio, just like you.

Navigating the SBA loan process can be tricky, but smart business owners lean on SmartBiz to do the heavy lifting. SmartBiz simplifies SBA loans, removing the stress of the application process while putting money in your bank account faster than ever.

SmartBiz offers two SBA loan options for you. If you need to refinance high-interest debt or need extra money for working capital, marketing campaigns, inventory, equipment purchases, or operating expenses, you can apply for $30,000 to $350,000. You’ll have up to 10 years to repay your loan, and you’ll receive competitive interest rates of 8.25% to 9.25%.

To qualify, you must meet the requirements below:

  • Time in business of at least 2 years
  • U.S. citizen or permanent resident
  • Credit score of 640 or above
  • Sufficient cash flow
  • No bankruptcies or foreclosures within the last 3 years
  • No prior defaults on government-backed loans
  • No outstanding tax liens

If you need to purchase commercial real estate or refinance a commercial real estate loan, apply for the SBA 7(a) commercial real estate loan. You can receive between $500,000 to $5 million with repayment terms up to 25 years and interest rates of 7% to 8.25%.

The borrower requirements for SBA 7(a) commercial real estate loans are as follows:

  • Property must be at least 51% owner occupied
  • Purchase price must be more than $500,000
  • Time in business of at least 3 years
  • U.S. citizen or permanent resident
  • Credit score of 675 or above
  • Sufficient cash flow
  • Funds can’t be used to purchase investment properties or fund construction
  • No bankruptcies or foreclosures within the last 3 years
  • No prior defaults on government-backed loans
  • No outstanding tax liens

Credibly

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Credibly is an online lender that offers multiple financing options for small business owners. Credibly can preapprove you for up to $400,000 with final approvals in as little as 24 hours.

One of the financial products offered through Credibly is a working capital loan. You can qualify for up to $400,000 with repayment terms up to 18 months. These loans do not have traditional interest rates. Instead, Credibly’s working capital loans have factor rates that start at 1.15. Repayments on your loan are made daily or weekly.

To qualify for a working capital loan, you must have:

  • Time in business of at least 6 months
  • Personal credit score of 500 or above
  • At least $15,000 in monthly bank deposits

Need longer terms for your loan? Credibly’s business expansion loans have terms of up to 2 years. These loans are available in amounts up to $250,000 with interest rates starting at 9.99%. This loan is repaid through weekly payments.

To qualify for a business expansion loan, you must meet these requirements:

  • At least 3 years in business
  • Personal credit score of 600 or above
  • At least $3,000 in daily balances
  • At least $15,000 in monthly bank deposits

Another option to consider through Credibly is a merchant cash advance. With this financing, you’ll receive up to $400,000. The anticipated duration of Credibly’s MCAs are 3 to 18 months, and repayment is based upon your receivables. Factor rates for MCAs start at 1.15.

To qualify for this type of funding, you must:

  • Have a personal credit score of 500 or above
  • Be in business for at least 6 months
  • Have at least $15,000 in monthly bank deposits

Fundbox

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Wouldn’t it be a relief to have a source of funding available to you on-demand? If an emergency pops up, you’d have the funds to cover it. If you needed extra inventory or money to pay for operating expenses, you wouldn’t have to wait days (or weeks) for loan approval. If your Buckeye business would benefit from this type of funding, a line of credit from Fundbox may be just what you need.

Fundbox offers revolving lines of credit up to $100,000 for qualified businesses. You can make one or multiple draws on your line of credit up to your set limit. As you repay borrowed funds, they become available to draw again. You can select from 12- or 24-week terms, and fees start at just 4.66% of the draw amount. Weekly payments are automatically deducted from your business bank account.

Qualifying is simple, as Fundbox considers your business performance when approving lines of credit. To receive yours, you must have:

  • A business checking account
  • At least $50,000 in annual revenue
  • A U.S.-based business
  • At least 2 months of activity in accounting software OR at least 3 months of transactions in a business bank account

Prosper

Cincinnati

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If you’re a new business with no (or very low) revenue, how are you going to qualify for a small business loan? Unfortunately, there will be many small business financing options unavailable to you if your business is brand new or hasn’t yet opened its doors. If this sounds familiar, you may have to get a little creative with your financing. One of the best options? A personal loan for business.

With a personal loan for business, your personal credit score and income can help you qualify for the funding you need. This is a great way to pay for startup costs or to cover any business expense when you don’t qualify for small business financing.

One lender to consider for personal loans is Prosper. You may qualify for up to $40,000 with APRs of 6.95% to 35.99%. You can select from terms of 3 years or 5 years.

To qualify for a Prosper personal loan, you must meet the following minimum eligibility requirements:

  • Source of income
  • Debt-to-income ratio below 50%
  • No bankruptcies within the last 12 months
  • Less than 5 credit inquiries within the last 6 months
  • At least 3 open trade accounts on your credit report

Amex Merchant Financing

American Express OptBlue

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If your business accepts American Express, you may qualify for Amex Merchant Financing. You can receive a loan of $5,000 up to $2 million for one fixed fee of 1.75% to 20%. A fixed amount is deducted daily, or you can opt to have a percentage of your daily receivables deducted.

Repayment terms are spread over 6, 12, or 24 months and automatic payments are deducted daily from your account. If you repay your loan early, you could get up to 25% of your fixed fee back, helping you save on the cost of your loan.

To qualify, you must:

  • Accept American Express cards
  • Have at least $50,000 in annual revenue
  • Have at least $12,000 in annual debit and credit receivables
  • Have been in business for at least 2 years

Banks, Credit Unions, & Nonprofit Lenders In Ohio

negotiating credit card processing fees

Online lenders are convenient, but maybe you prefer working with more traditional lenders. Banks, credit unions, and nonprofit lenders throughout Ohio provide loans and other financial products at competitive rates. You can also sign up for other business services, such as checking and savings accounts, payroll services, or employee benefits.

Huntington Bank

Huntington Bank has branches located in hundreds of cities in Ohio, including Akron, Canton, Cincinnati, Cleveland, and Columbus. Small business owners can open a checking and savings account through this bank. If you need extra capital to start or grow your business, Huntington Bank offers multiple financial products tailored to small businesses including:

  • Term Loans
  • Commercial Real Estate Loans
  • Lines Of Credit
  • Business Credit Cards
  • SBA Loans

Huntington Bank is a particularly good choice for SBA loans, as it has been ranked the top SBA lender in the region for the last 10 years.

Rates, terms, and borrower requirements vary by product. If you’re interested in getting financing through Huntington Bank, call their toll-free number or visit a branch near you to learn more.

Wright-Patt Credit Union

If you prefer more personalized service when seeking your small business financing, consider joining a credit union. In Ohio, Wright-Patt Credit Union is one of the largest with over 30 locations throughout the state.

As a member of Wright-Patt Credit Union, you’ll be able to handle all of your finances in one place. In addition to traditional financial products including business checking, savings, and money market accounts, members can also apply to receive financing through:

  • Commercial Real Estate Loans: Terms up to 25 years
  • SBA Loans: 7(a), Express, and 504
  • Commercial Auto Loans: Terms up to 84 months
  • Term Loans: Terms up to 10 years
  • Business Credit Cards
  • Lines Of Credit

Rates, terms, and borrower requirements vary by financial product. Some financing options, including auto loans and business credit cards, have online applications available to Wright-Patt members.

To become a member, you must meet one of the following requirements:

  • Live, work, attend school, or worship in one of the Ohio counties serviced by the credit union
  • Be a military or civilian employee of Wright-Patterson Air Force Base
  • Live in the Fairborn area with no access to other credit unions
  • Be a student, faculty member, staff member, or alumnus of Wright State University
  • Have a family member that is a Wright-Patt member
  • Be in a group affiliated with Wright-Patt Credit Union

Finance Fund Capital Corporation

Finance Fund Capital Corporation (FCAP) is a nonprofit community development financial institution. Through FCAP, eligible Ohioans can apply for funding through the Small Business Loan Fund. Loans are available in amounts from $100,000 to $1 million. Funds can be used for the following business purposes:

  • Working Capital
  • Real Estate Acquisitions
  • Construction
  • Leasehold Improvements
  • Equipment

Loans come with terms up to 7 years. However, there are longer options for commercial real estate and fixed asset purchases. Rates are based on the creditworthiness of the borrower and the risk of the project being funded.

To qualify, a business must:

  • Be a for-profit sole proprietorship, partnership, or corporation
  • Provide vital services to the area
  • Operate in an underserved market
  • Have a viable business idea

Loans are also given through the SBA Community Advantage program. To learn more and to apply for the Small Business Loan Fund, call or email Finance Fund Capital Corporation.

Small Business Grants In Ohio

low-interest loans

If your business needs capital, turning to a lender isn’t your only financing option. Your business may qualify for a small business grant. The best thing about small business grants is that funds don’t have to be repaid, so there’s no worrying about monthly payments, high interest rates, or fees.

On the flip side, scoring a small business grant isn’t just as simple as filling out an application, having a credit check performed, and getting the funds you requested. Small business grants are extremely competitive. You must also meet very specific requirements — such as operating in a certain industry, having a veteran-owned business, or being a woman business owner — for most grants.

In the state of Ohio, there are several grant programs to consider. Start with these options.

JobsOhio

JobsOhio is a nonprofit corporation that aims to create jobs and promote economic development in Ohio by attracting, retaining, and expanding businesses. Through JobsOhio, small business owners have access to grant and loan programs including:

  • Economic Development Grant: Focuses on fixed asset and infrastructure investment of companies, including site development, machinery and equipment, land, and buildings.
  • Revitalization Program: Provides funds for businesses, nonprofits, and governments for costs related to redevelopment projects, including demolition, building renovation, and site preparation.
  • Workforce Grant: Provides funding for company training costs including information technology, leadership skills, technical training, and on-the-job training.
  • Growth Loan Fund: While not a grant, the Growth Loan Fund provides low-cost loans for established businesses that have limited access to traditional funding sources. Loan funds can be used to purchase fixed assets including land, buildings, machinery, and equipment.

Ohio Development Services Agency

The Ohio Development Services Agency has multiple programs that are designed to help Ohio businesses grow and create jobs. These programs include small business grants, low-cost loans, tax credits, and bonds.

Programs available through the Ohio Development Services Agency include:

  • Alternative Fuel Transportation Program: Provides financial assistance to businesses that purchase and install alternative fuel facilities and terminals.
  • Energy Loan Fund: Provides low-cost financing to businesses and manufacturers for improvements that reduce fossil fuel emissions and energy usage.
  • Ohio Minority Business Direct Loan Program: Provides low-interest loans to minority-owned businesses

City Of Cleveland Green Technology Business Grant Program

New green technology businesses located or relocating to Cleveland, Ohio, may qualify for the Green Technology Business Grant Program. To qualify, a business must create at least five new jobs within its first year.

The grant provides up to 1% of new payroll for up to 3 years. An additional $5,000 is also available as a Moving Assistance Grant. Interested small business owners can apply online through the City of Cleveland Economic Development.

Loans & Resources For Startups In Ohio

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Startup businesses may find it a challenge to get the capital and resources they need to grow. Fortunately, the state of Ohio offers multiple resources to help new businesses and startups succeed.

Minority Business Assistance Centers

The Ohio Development Services Agency offers assistance to minority-owned businesses through its Minority Business Assistance Centers. Through these centers, minority-owned and disadvantaged small businesses can receive services including accounting assistance, business management counseling, marketing plan development, and help identifying local resources.

SCORE

SCORE is one of the nation’s best resources for startup and small business owners. Through SCORE, you can receive free business counseling with an expert mentor. You can meet face-to-face with your mentor or you can receive counseling online.

SCORE also offers free and low-cost business training, workshops, and other resources such as business templates and guides.

SCORE chapters are located throughout the state of Ohio in cities including Mansfield, Columbus, Toledo, and Newark.

Ohio Small Business Development Centers

Whether you’re launching your business or taking your existing business to the next level, the Ohio Small Business Development Centers have resources for you. You can work with a Certified Business Advisor to get your business on the right track.

Services available through SBDC include business planning, one-on-one counseling, finding sources of capital, workshops, and training programs.

Offices are located throughout Ohio in cities including Akron, Cincinnati, Cleveland, and Columbus.

What To Consider When Choosing A Lender

real estate

Now that you know just a few of the options available to you, narrowing down your choices to just one lender can be tricky. However, there are a few factors to keep in mind to help you choose the right lender for your business.

Type Of Financing

What type of financing are you seeking? If you want a flexible line of credit, you can cross off any lenders that offer long-term loan options. Interested in SBA loans? Then don’t give short-term lenders a second glance. Determine what type of financing works best for your business, then select a lender that provides this type of funding.

Borrowing Amount

If you need $500,000 to purchase commercial real estate, a $10,000 loan isn’t going to get you very far. Consider the borrowing limits of each lender, then choose the lender that is able to provide the capital your business needs.

Affordability

When you receiving financing, you have to consider the overall cost of borrowing. Calculate the fees, interest, and other costs associated with each lender you’re considering. Working with one lender may be faster and easier, but the costs may be much higher … and could be too much of a burden for your business. Consider your options, don’t feel obligated to take the first offer, and know how much your business can afford. Remember, you want to grow your business, not slide into a cycle of debt.

Borrower Requirements

Do you meet all of the requirements of the lender? Lenders consider factors such as personal credit score, business credit score, past credit history, time in business, and annual revenue. If you don’t meet these requirements, you won’t get approved, so why waste your time? Grab your free credit score, read up on borrower requirements, and submit your application only when you know you meet all requirements. Also, please remember that meeting the minimum requirements of a lender is not a guarantee of approval.

Final Thoughts

Starting and operating a business is tough for even the most experienced entrepreneur. Luckily, you don’t have to go it alone. As a business owner in Ohio, there are multiple lending options and other resources available to you to keep your business on the path to success.

The post The Best Business Loan And Financing Resources For Ohio Small Businesses appeared first on Merchant Maverick.

Why in the world would we want to spend so much effort on marketing simply to gain first-time customers, unless we are certain that we can deliver a guest experience good enough to make them want to come back? If you want to ensure you consistently exceed guest expectations you must focus your attention on improving the systems that impact your customer’s experience the most.

AustraliaWhen it comes to running a retail business, choosing a great payment solution should be a top priority.

While a standard POS and payment processor will allow you to ring up sales, the right solution can boost your business efficiency, streamline your accounting and reconciliations, and even lower your costs. Ultimately, these benefits add up to increased store productivity, more satisfied customers, and higher profits.

So, how do you unlock all those advantages? Two words: integrated payments.

In this post, we’ll shed light on the importance of payment integrations in retail, and discuss how they can take your business to new heights.

What are integrated payments?

Integrated payments are all about aligning the systems and platforms that facilitate the payments side of a business. For retailers, this typically means connecting your point of sale system (POS) with your payment processor, so data flows smoothly from one platform to the other.

This setup eliminates the need to manually key in customer and credit card information at the checkout counter. Because your POS is integrated with your payment processor, all the necessary information is ready when you initiate the process using your EFTPOS terminals.

Why should retailers opt for integrated payments?

At first glance, it may seem like the advantages of payment integrations are limited to the checkout counter. But the fact is, integrated payments can have positive effects in multiple areas of your business, including customer service, business intelligence, and profitability.

Let’s examine these benefits in more detail:

1. Run a more efficient retail store

The last thing any retailer wants is to keep customers waiting. On average, retail shoppers are only willing to wait 5 to 10 minutes in line before abandoning their purchase, so you could be missing out on sales if your checkout lines take too long.

Enter integrated payments. When your POS and payment processor are tightly connected, you can reduce checkout time and keep the lines moving as quickly as possible.

One example of a retailer that benefits from their payment integration is Zanerobe, a progressive streetwear brand in Sydney, Australia. Zanerobe runs a busy location so it was a huge plus to have a reliable point of sale system like Vend integrated with Tyro’s EFTPOS terminals.


“When we have lines out the door, we need a system that’s going to be able to handle the pressure,” says Hugh Burke, the store’s retail manager. “The integration between Vend and Tyro is flawless and can really handle the busy times.”

Hugh adds that integrated payments were also a boon for the Zanerobe staff, who need an easy to use solution. “Our staff demand a lot out of our systems. Whether it be searching for a product in stock, returning or exchanging items or constantly putting through sales, they need a simple but effective system.”

Because of Zanerobe’s integrated solution, employees are able to serve shoppers efficiently during the busiest of times, thus keeping both productivity and customer satisfaction levels high.

Vend Tip

With Vend and Tyro, you can accept more payment types and ring up sales on any device. Tyro offers EFTPOS terminals with eftpos, credit card and Tap & Go capabilities that seamlessly integrate with Vend on any device, including iPad, Mac and PC.

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2. Reduce human error

Did you hear about the Australian worker who was overpaid by A$500,000? According to the BBC, “The worker was meant to get a salary of A$4,921.76 but instead found A$492,176 ($360,700; £280,250) in their account.”

The cause of the mishap? Someone put the decimal point in the wrong place.

While mistakes of this magnitude are rare, the story above highlights the importance of minimizing human error. A simple mistake — like misreading a number — can lead to unnecessary costs and headaches, and that’s the last thing you want in your business.

Fortunately, if your POS is connected to your payments processor, won’t have to worry too much about human errors. Aside from reducing manual entry at checkout, integrated payments eliminate the need for manual end-of-day reconciliations, thus reducing the chances of mistakes.

3. Get better reporting and insights

Having your payments and retail technologies working together makes it easier for you to gain data and insights about your business. You can view all your sales and payment data in one place, versus having to check reports on different platforms.

Having that visibility into your payments data can be quite powerful. As Merchant Maverick puts it:

POS payment reports help you track cash flow, credit card payments, and inefficiencies that affect your bottom line. Using the information from payment reports, you can help prevent employee theft and errors, determine how your customers prefer to pay, and figure out how many sales are discounted or sold at full price.

Simply put, the right POS and payments reports help you make more informed decisions forecasts for your business.

4. Lower costs

Streamlining your checkout and reconciliation process will lead to massive savings, both in time and money.

In addition, payment processors offer special rates to merchants using their preferred partners, so you can potentially score better rates by opting for a provider that integrates with your POS.

Vend Tip

With Vend and Tyro, you can accept more payment types and ring up sales on any device. Tyro offers EFTPOS terminals with eftpos, credit card and Tap & Go capabilities that seamlessly integrate with Vend on any device, including iPad, Mac and PC.

Learn More

Final words

The bottom line? Integrated payments can have a tremendous impact on… well, your bottom line. That’s why if your POS and payment processor aren’t tightly connected, consider upgrading your systems sooner rather than later. Talk to your payments processor or POS provider and ask about integrated payments.

Taking this first step will put you on track for higher productivity, lower costs, and a more successful business overall.

The post 4 Ways POS Integrated Payments Can Help You Run a Better Retail Business appeared first on Vend Retail Blog.

After grinding it out all week long, the sacred weekend is finally here; and now, it’s time for a night on the town.

 

Now comes the tricky part: what to do?  Chances are, the town you’re venturing out into offers a ton of options – from dinner, to live music, to drinks, to movies.  And when you’re trying to find that perfect formula for your evening, things can get tricky; especially considering you have to sift through many websites and apps to get the info you want.

 

So after an hour of searching, you finally land on that ideal evening schedule, do some quick math estimates, and boom: you realize you’re in way over your head financially.  Nights out can get expensive – and trying to keep things reasonable makes planning gets even tougher.

 

The time has come to get people away from planning, and back to the fun with Way: the leading all-in-one service marketplace.

1-855-464-8744

The mission of the iOS and Android-powered Way app is to help everyday people find the best their city has to offer through convenience and fair prices.  This starts with an easy-to-navigate user interface that makes getting event tickets, making restaurant & parking reservations, and planning many other parts of your night infinitely easier.

 

But that’s not all – Way also offers users exclusive deals on activities like these, and more.  In just a matter of seconds, consumers can browse through offerings posted by local merchants – who can post these deals and a description of their services very quickly in their own right.

 

The app’s main dashboard is broken down into key categories like “Parking”, “Movies”, and “Events”, with a search option by address, city, and/or venue.  Other features and benefits the platform offers include:

 

  • The ability to book an entire night out from one application/website
  • An additional marketing opportunity for merchants, service providers, and venues
  • Discounts available for students
  • Allows businesses to communicate with buyers through a messaging system
Android

Way was founded in 2014 by Binumon T. Girija, and has since amassed millions of happy users while raising millions of dollars in VC funding.  Going forward, the company hopes to continue fortifying its presence in major markets around the US – eventually expanding globally and adding even more functionality to the platform.

 

Search for Way in the App Store or Play Store to see what all the hype is about; or, you can learn more about it by visiting www.way.com.  The Founder can also be reached directly at binu.girija@way.com.

 

Photos: Way.com

The post Way: Find Out What’s Around You appeared first on KillerStartups.

PARTNER NEWS: Sony’s Wena watch strap, launched in the UK this week and designed to bring smartwatch features to traditional mechanical timepieces, uses NFC hardware and the mWallet 2GO full service mobile wallet platform from NXP to power its contactless payments feature. “Wena stands for ‘wear electronics naturally’, and the strap has been designed exactly […]

Read the rest of NXP powers NFC payments in Sony Wena smart watch strap at NFC World.

Die Kunst des Kaffeebrühens hat in den vergangenen Jahren neue Höhen erklommen – Zeit für neue Kaffeecocktails und einen Paradigmenwechsel. Immerhin lässt sich aus der Kombination aus Spirituose und Kaffee wahres Gaumenkino erzeugen. Man muss nur wissen, wie, aber eines ist klar: Nur einen Espresso Martini in petto zu haben, reicht nicht mehr aus. 

Lange vorbei ist die Hoch-Zeit von „Jacob’s Krönung“ und „Tchibo Feine Milde“. Auch der Unterschied zwischen Cappuccino und Flat White ist mittlerweile einer breiteren Öffentlichkeit bekannt. Interessierte Kreise entwickeln in Deutschland sogar Feingefühl bezüglich Herkunftsländern und Röst-Stilen. Ein „Hoch!“ auf den Einfluss aller internationalen Gäste in unserem Land! Immer mehr Röstereien werden erfolgreich betrieben. Deutsche Städte jeglicher Größe können mit eigenen Röstereien aufwarten. Ganz besonders Berlin entwickelt sich da zum Schwergewicht – mit angeblich über 50 Specialty-Coffee-Röstern.

Neue Kaffeecocktails: Ab mit dem Zopf!

Was Specialty Coffee ausmacht und deswegen auch für Bartender unglaublich interessant ist, ist seine Vielseitigkeit. Denn Kaffee ist mitnichten immer gleich. Je nach Brührezept, Röstgrad, Herkunftsland und sogar Anbaumethode können sich Varietäten sehr voneinander unterscheiden. Schon Espresso ist unglaublich vielfältig und kann ein Spektrum von leichten, erfrischend-azidischen bis hin zu tiefschwarzen, bitteren Röstungen wie in Süditalien bedienen. Mit einer Créma, die den Löffel senkrecht in der Tasse stehen lässt. 

Hinzu kommen diverse Brühmethoden wie AeroPress, French Press, diversen Filterverfahren, Cold Brew, mit Stickstoff getriebener Nitro oder die gute alte Filterkanne. Da muss dem Bartender doch aufgehen: Es gibt viel mehr Möglichkeiten, als schlicht den alten Bekannten namens Espresso Martini mit unterschiedlichem Zucker oder einer anderen Spirituose zuzubereiten. Und noch viel grundsätzlicher: Wir sollten uns langsam mal schämen, eine Spirituose mit Zucker oder Likör versetzt überhaupt noch Martini nennen zu wollen! Also: Ab mit dem Zopf, ran an neue Kaffeecocktails! 

Her mit den neuen Lagen!

Es wird also Zeit, dem Charakter eines ganz spezifischen Getränkes Rechnung zu tragen. Unsere Ausrichtung muss doch weg von „Kaffee“ gehen, hin zu „spezifische Bohne in definierter Röstung, zubereitet mit klarem Rezept und eindeutiger Brühmethode“. Denn wie unglaublich groß sind die Unterschiede zwischen Äthiopischer Bohne, nur bis zum first crack geröstet und mit einer AeroPress gebrüht, im Vergleich zu einer brasilianischen, dunkler gerösteten Bohne in Espresso-Brühung. Es wäre doch Wahnsinn, beide in sich schlüssigen Getränke in einem identischen Cocktailrezept zu verwenden!

Eine neue Wahrnehmung von Kaffee seitens der Bars ist also angezeigt. Hier sollen nun anhand einer prominenten Kooperation zwei Möglichkeiten durchdekliniert werden. Denn im Zuge des weiter innovierenden Berliner Craft Spirits Festivals Destille ergeben sich immer neue Verschränkungen in der lokalen Barszene. So nehmen inzwischen 19 verschiedene Bars, aber auch Brauer, Sherryimporteure und eben auch zwei Kaffeehäuser teil. Dabei entstand beispielsweise ein Programm zwischen der Bar Kupfer und dem landesweit bekannten Röster The Barn. Wobei Spirituosen mit teils lokaler Herkunft intensiv um den Kaffee herum gruppiert wurden – und nicht anders herum.

Roter Bourbon?

So wurde aus der Kaffeesorte „Roter Bourbon“ aus der Westprovinz Ruandas der Filterkaffee „Mahembe“ geröstet – benannt nach der Familienplantage. Seine Aromen von Schattenmorellen und Schwarzem Tee legen eine Paarung mit rotem Wermut und einer dunklen Spirituose nah, besonders in der The-Barn-Zubereitung als Cold Brew. 

Eine Linie der Zuckerreduzierung verfolgend, entschied sich die ehemalige Head Barista Agata Wisniewska von der Bar Kupfer für einen sehr trockenen, nussigen Roggenwhiskey des Freimeisterkollektivs und den eher mediterranen, süßlichen Casa Mariol Wermut aus Barcelona. Um die Säure des Ostafrikaners zu unterstreichen, folgt frischer Orangensaft. Der notwendige Schuss Süße erfolgt durch den ebenfalls vom Freimeisterkollektiv in Kooperation mit The Barn entwickelten Mahembe Cold Brew Likör.

Der zweite Kaffeecocktail basiert auf einem floralen Ostafrikaner. Gedeb Beriti aus der gleichnamigen äthiopischen Kooperative vermählt die für Äthiopische Bohnen typische Fruchtigkeit und Tee-ähnliche Struktur zusammen mit Bergamotte-Noten und Vanille. Die Paarung dieses Filterkaffees mit dem unglaublich floralen Butterbird Weißling-Rum verleiht dem Drink Rückgrat. Wohingegen ein leichter, weißer Wermut wie Znaida ebenso nahe lag wie die Verwendung von Italicus Rosolio di Bergamotto – um die präsenten Aromen herauszuarbeiten, nicht unterzubuttern. In dieser Kombination wird nur ein Barlöffel Zucker zur Einbindung und Abrundung aller Geschmäcker notwendig. Wermut spielt auch hier eine Rolle, da die Vorgabe niedrigalkoholischer Getränke in einem Tagesgeschäft beachtet werden wollte.

Kaffeecocktails sind eine Tasse voll Aromen

Unter dem Strich bieten sich demnach mit vielseitigen Zubereitungsmethoden und spezifisch ausgewählten Zutaten ganz neue Paarungen, weit weg vom Espresso-Cocktail, die den einzigartigen Charakter ganz exakt ausgewählter Kaffees in das Zentrum rücken. So entsteht eben kein mit Koffein versetzter Likör, sondern vielschichtig aromatisierter Kaffee. Und diesen Paradigmenwechsel einzuläuten, sind wir unseren sensorisch überaus fein eingestellten Kollegen an den Röstmaschinen langsam schuldig!

Offenlegung: Der Autor ist Mitglied im Team der erwähnten Veranstaltung Destille Berlin.

Der Beitrag Wir müssen über Koffein und Terroir reden! erschien zuerst auf Mixology.