Buy ingredients and packaging when the timing and price are right. Five-minute application, soft pull, about three months of statements.
Stock Up NowBakery Inventory Funding
Holiday preorders and wholesale accounts mean big ingredient bills before the sales land. We help bakeries stock up on their schedule.
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.
A five-minute application and recent bank statements. Qualified bakeries can be funded in as little as 24 hours.
FICO 500+ considered. Your daily and weekly deposits carry real weight.
Your offer shows the full repayment amount up front, with no surprise costs after you sign.
The schedule is laid out in your offer, so you can match it to your selling season.
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.
Flour, sugar, butter, eggs, chocolate, nuts, fruit, boxes, cake boards, labels. A bakery's inventory is perishable, price sensitive and needed in larger quantities right before your busiest weeks. Buying in bulk when prices are good, or stocking up before the holidays, can protect your margins. The catch is that the cash goes out well before the sales come in. Inventory funding for a bakery lets you buy at the right time instead of whenever the account happens to allow it.
For illustration only: a bakery that usually spends a modest amount each week on ingredients might triple that spend in the four weeks before Thanksgiving to fill pie and dinner roll preorders. If those preorders are paid at pickup, the bakery is fronting several weeks of ingredient costs. Funding covers the stock-up, and the holiday sales replenish the account. Your own numbers will differ; the point is matching funding to a clear cycle of buying and selling.
We review about three months of business bank statements. Your deposits and the obligations you already carry are what mainly drive the size of an offer, which can range from $25,000 to $5,000,000. FICO scores of 500 and up are considered, tax returns are not required, and the first check is a soft credit pull. Sole proprietors can apply. If you already carry other financing, list it on the application; it affects what a sensible offer looks like.
Recurring inventory needs often fit a business line of credit, since you can draw before each stock-up. A one-time purchase may suit working capital for bakeries. Bakeries with strong card sales sometimes use a merchant cash advance, where repayment follows sales. Curious how you would qualify? See how bakeries qualify.
The application takes about five minutes, and qualified businesses can be funded in as little as 24 hours. Apply now before your suppliers' busy season.
Yes. Inventory funding can cover any supplies your bakery needs to fill orders.
For recurring stock-ups, a line of credit is often convenient because you draw only when needed. A lump sum can work for a single large purchase.
Qualified businesses can be funded in as little as 24 hours, but apply early so supplier orders are not delayed.
We consider FICO scores of 500 and up, alongside your deposit history.
No, though knowing your planned spend helps you request the right amount.
Example uses for illustration only.
Smarter buying habits stretch inventory dollars further.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding