FICO 500+ considered. We look at the deposits your counter, cafe and wholesale accounts bring in, not just a number from a few rough years.
See What I Qualify ForBakery Funding, Credit Flexible
A bruised score does not erase steady sales. We review about three months of deposits and start with a soft credit pull, so you can check options without a score hit.
Amount to request
$85,000.00
Funding range$25K to $5M
*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.
Apply in about five minutes with three months of statements. Funding in as little as 24 hours for qualified businesses.
We weigh your score next to deposit consistency, seasonality and existing obligations.
The offer shows the full repayment amount before you accept. No surprise costs appear after you sign.
Your schedule is laid out in the offer, so you can match it to busy and slow baking seasons.
Fast decisions. Applying takes about 5 minutes.
A short application. A soft credit pull to start.
We review revenue, time in business and bank activity, not just a credit score.
You see the amount, the schedule and the full repayment amount before you sign.
Funding in as little as 24 hours for qualified businesses.
Plenty of good bakers have rough credit. Opening a shop often means maxed cards, a personal loan for the first oven, and a lean year while regulars find you. Ingredient costs swing, a key employee leaves, and a late payment or two shows up on the report. None of that means the bakery is not working today.
That is why we consider FICO scores from 500 and up, and why we look hard at what your bank account says about the business right now.
Your score is one input. The bigger picture comes from about three months of business bank statements. We look at:
A lower score paired with healthy, regular deposits tells a different story than a lower score paired with shrinking sales. We cannot say any one factor decides the outcome, but we do look at all of them together.
Products built around sales tend to suit bakeries with credit dings. A merchant cash advance for bakeries is repaid from future card sales. Revenue-based financing ties repayment to revenue. If you need gear, equipment financing is tied to the item you are buying.
We start with a soft credit pull, so checking your options does not lower your score. No tax returns are required, and sole proprietors can apply. Every offer shows the full repayment amount and the payment schedule before you accept, so you can decide with clear numbers.
If cash flow is the deeper issue, our bakery cash flow guide is worth a read. When you are ready, start the 5-minute application.
Owners with credit problems often worry that one funding decision will lock them into something they regret. That is why we keep the terms visible. Before you sign, you see the full repayment amount and exactly when payments come out of your account. Take the time to compare it against your slow months. If the numbers make sense for your bakery, great. If they do not, you can walk away, and the soft pull at the start will not have cost you anything on your report.
FICO 500+ is considered. Score is weighed alongside deposit history, existing obligations and how steady your sales are.
Not on its own. We look at the full picture, with heavy weight on your recent bank deposits.
We start with a soft credit pull, which does not affect your score.
About three months of business bank statements. No tax returns are required.
We fund from $25,000 to $5,000,000. The amount depends mainly on deposits and current obligations.
Example uses for illustration only.
These steps can strengthen a bakery application when credit is thin.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding