Draw for ingredients, repairs and extra payroll when your bakery needs it. A soft credit pull to start and about three months of bank statements.
Get StartedBakery Line of Credit
Mixer motors, butter prices, a last-minute catering order. Keep a line ready so you can handle each one without a new application.
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 5-minute application and about three months of bank statements. No tax returns. Funding in as little as 24 hours if qualified.
FICO 500+ considered. We start with a soft pull and look at how steady your bakery's deposits are.
Your offer shows the full repayment amount up front, and no surprise costs appear after you sign.
How payments on each draw work is set out in your offer before you accept, so you can plan ahead.
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.
Some bakery expenses are predictable only in that they always show up. The mixer needs a new motor. The butter supplier raises prices. A catering order lands that needs extra hands for a weekend. A business line of credit is built for this kind of spending: you draw what you need when you need it rather than borrowing one large sum up front.
If your bakery has one big purchase in mind, a lump sum through working capital for bakeries or equipment financing may be simpler. If most of your revenue is card sales and you want repayment tied to those sales, an advance can work. For a direct comparison, see line of credit vs. merchant cash advance for bakeries.
The application takes about five minutes and starts with a soft credit pull. We review about three months of business bank statements. No tax returns required, FICO 500+ considered, and sole proprietors can apply.
Line size depends mainly on your bakery's deposits and its existing obligations. Before you accept, your offer shows the full repayment amount and how payments on draws are scheduled, with no surprise costs after you sign.
Apply today. Funding can arrive in as little as 24 hours for qualified businesses.
Every offer is laid out in full before you accept, including how draws are repaid. Read it closely and ask us anything that is unclear before you sign.
How your line works over time, including additional draws, is spelled out in your offer before you accept.
A line suits repeating, variable expenses like ingredients, repairs and extra payroll. Working capital suits a one-time need where you want the full amount at once.
A 5-minute application and about three months of business bank statements. No tax returns.
Funding across our products runs from $25,000 to $5,000,000, based mainly on deposits and existing obligations.
FICO 500+ is considered, and credit is weighed alongside your deposit history. We start with a soft pull.
Example uses for illustration only.
These steps help your bakery present a cleaner file for a line.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding