Funding for your situation
How a bakery can bridge its slow months, which structures flex with revenue, and a worked gap calculation.
✓ Checking what you qualify for does not affect your credit score.
Holidays and weddings compress a large share of the year into a few heavy weeks. For a bakery, the slow weeks do not slow the bills. Rent, payroll and suppliers keep their schedule, and retail card sales sit beside wholesale invoices, so the file shows both daily deposits and a few larger payments.
Merchant Fund Express is a funding marketplace: you apply once, and the file is matched to the structure that fits it. The sections below show what this situation usually costs, how a funder reads it, and what to prepare.
A bakery file is read through retail deposits versus wholesale receipts and how late wholesale accounts pay, peak-season concentration and equipment already financed.
Retail card sales sit beside wholesale invoices, so the file shows both daily deposits and a few larger payments. A reviewer sees that pattern in the statements before reading a word of the application.
Equipment is part of the picture. A failure such as a oven control board and elements or a refrigeration repair can run $3,900 to $3,900 and interrupt revenue while it is down.
The documents that usually matter most for a bakery are an oven or equipment quote and a wholesale contract or purchase order, alongside the bank statements.
Often front-loaded and easy to leave out of the first estimate.
People are paid on a schedule that does not wait for new revenue to ramp.
A real cost of the move that is easy to leave out of the first estimate.
Bought ahead of the first sale and sitting as cash until it turns.
The spend that fills the new capacity, which is why it belongs in the plan.
| Cost item | Illustrative amount |
|---|---|
| Fixed costs through the slow stretch (rent, utilities, insurance, 8 weeks) | $26,100 |
| Core payroll you plan to keep (8 weeks) | $21,500 |
| Supplier payments due before sales return | $10,000 |
| Packaging and opening ingredients ahead of the next peak | $3,000 |
| Marketing to refill the calendar | $4,500 |
| Cushion for overruns and slow early weeks (about 10%) | $6,500 |
| Slow-season gap to cover | $71,600 |
Sizing check. If the full repayment shown in an offer were $94,000 over about 26 weeks, the weekly debit would be about $3,615. Against illustrative monthly deposits of $70,000 (about $16,154 a week), that is roughly 22% of weekly deposits. Your own offer states the real repayment amount in dollars; run your numbers on the factor rate calculator before you accept anything.
Source: worksheet by Merchant Fund Express. Illustrative only: these figures are not an offer, and real amounts depend on your file and the funder.
These are the same factors described on revenue and deposit requirements and time in business. Merchant Fund Express walks you through how your own file reads before you apply.
A complete file is what makes a same-day decision possible. If something is missing, tell us and we will work around it.
A line of credit can fit a recurring gap, revenue-based financing flexes with sales, and working capital covers a defined stretch. Merchant Fund Express can show which fit your file.
Before is usually easier: deposits are stronger, and the file reads better. If you are already in the slow stretch, send the full twelve months so the seasonal pattern is explained.
They are read as part of the pattern. A seasonal business with a clear annual curve is easier to evaluate than one with unexplained dips.
The minimum FICO is 500, and better credit means better products and terms. See credit score requirements for how the tiers work.
Merchant Fund Express gives a same-day decision on a complete file. Applying takes a few minutes and will not affect your credit score.
