Preheat the oven to 350°F (175°C) and grease a loaf pan.
Mash bananas in a bowl until smooth.
Stir in melted butter, brown sugar, eggs, and vanilla extract.
Whisk together flour, baking soda, salt, and cinnamon in another bowl.
Gently fold dry ingredients into wet ingredients until just combined.
For the mocha swirl, heat coconut milk in a saucepan until warm.
Remove from heat and mix in espresso, cocoa, instant coffee, and vanilla extract.
Pour half the batter into the loaf pan.
Drizzle the mocha mixture over it, then add the remaining batter.
Swirl gently with a toothpick to create a marbled effect.
Sprinkle chocolate chips on top for extra indulgence.
Bake for 50-55 minutes until a toothpick inserted in the center comes out clean.
Let cool before slicing—if you have that kind of patience