Replace the deck oven, add a spiral mixer or build out a wholesale line without draining the account that buys your flour and pays your bakers.
Price My EquipmentBakery Equipment Financing
Bakeries carry expensive, specialized equipment. We fund from $25,000 to $5,000,000 based mainly on your deposits, with no tax returns required.
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. Funding can arrive in as little as 24 hours for qualified businesses.
FICO 500+ is considered. We put real weight on steady deposits from your counter, cafe and wholesale accounts.
Your offer lists the full repayment amount before you accept. No surprise costs show up after you sign.
The repayment schedule is laid out in the offer, so you can line it up against slow and busy 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.
A bakery can survive a slow week. It cannot survive a dead deck oven on a Saturday morning with wedding cakes due. Most of the money in a bakery is tied up in heavy, specialized gear: ovens, spiral mixers, sheeters, proofers, walk-in coolers and refrigerated display cases. When one fails or the shop outgrows it, paying cash can drain the account you need for flour, butter and payroll.
Equipment financing lets you spread the cost of that gear over a repayment schedule instead of writing one large check. We fund from $25,000 to $5,000,000 for established businesses with steady deposits, so it works for a single replacement oven or a full production line for a wholesale buildout.
If the problem is a repair rather than a purchase, our bakery equipment repair funding page covers that situation.
We care less about a perfect tax file and more about how money moves through your account. You send about three months of business bank statements, and we look at deposit consistency, the holiday spikes and the quieter January stretch, and any obligations you already carry. No tax returns are required, and we start with a soft credit pull.
FICO 500+ is considered. Sole proprietors can apply, which matters for the many bakeries run by one owner who opens the doors at 4 a.m.
If you are buying a specific piece of gear, equipment financing keeps the cost tied to that purchase. If you also need money for ingredients, packaging and staff while the new line ramps up, working capital for bakeries may fit better, or alongside it. For recurring gaps, a business line of credit lets you draw as needed.
Ready to price out a new oven? Start the 5-minute application.
Often, yes. Send the vendor quote and details on the equipment and we will review it with your bank statements.
No. We review about three months of business bank statements instead.
FICO 500+ is considered, and the review leans heavily on your deposit history rather than score alone.
Decisions move quickly, and funding can arrive in as little as 24 hours for qualified businesses.
Yes. Your offer shows the full repayment amount and the payment schedule before you accept.
Example uses for illustration only.
A few steps can make your bakery equipment request easier to review.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding