Holiday ingredient runs and a broken oven need different funding. Compare both, see real dollar amounts, and choose what fits your ovens and calendar.
See My OptionsBakery funding compared
Revolving access fits recurring ingredient buys. A lump sum fits one known cost. Our offers spell out the total and the schedule so you can compare.
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, about three months of statements, no tax returns. Qualified bakeries can be funded in as little as 24 hours.
FICO 500+ is considered. Steady counter and wholesale deposits matter.
Your offer shows the full repayment amount up front, with no surprise costs after you sign.
Repayment terms are laid out in the offer before you accept, so you can plan around slow months.
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.
Bakeries buy ingredients before they sell a single loaf. Before Thanksgiving, wedding season, or a new café account, you are stocking up on butter, flour, sugar, and packaging while revenue arrives a few weeks later. That is a recurring gap, and recurring gaps are what a business line of credit is built for.
A merchant cash advance works differently. You receive one sum, and repayment is tied to future receivables per your offer. Bakeries with heavy card traffic at the counter often like that structure for a single, defined need.
A coffee chain wants daily pastries for six locations. You need more ingredients and maybe an extra early shift, but invoices pay on a delay. A line lets you draw what each week needs.
Your deck oven fails in October. You know the replacement price and need it installed now. A lump sum from an advance, or equipment financing, fits better than a revolving draw.
Build-out, display cases, and opening inventory form one project with a known budget. Either product can work here, depending on whether you want the money all at once or in stages.
We review both products the same way: about three months of business bank statements, a 5-minute application, and a soft credit pull. We do not require tax returns. FICO scores of 500 and up are considered, and sole proprietors can apply. For more detail, read about a line of credit for bakeries or a merchant cash advance for bakeries.
Funding ranges from $25,000 to $5,000,000, and qualified bakeries can be funded in as little as 24 hours. Start your application and we will show you what each option looks like.
Whatever you choose, the offer lists the full repayment amount and the schedule before you accept. Compare those numbers against your slow months, usually January and late summer for many retail bakeries, so the payment fits the calendar you actually live with.
Often, because you draw only for the weeks you need ingredient and labor money. It still depends on your deposits and what you already owe.
Yes, an advance can cover a defined purchase. We also offer equipment financing, so you can compare both.
We look at deposits into your business bank account. Wholesale payments that land there are part of that picture.
No. About three months of business bank statements and a short application are the starting point.
FICO 500+ is considered. Credit is weighed alongside deposit consistency and existing obligations.
Before is usually better. Applying while deposits are steady, ahead of your big ingredient buys, gives you time to compare offers and have funds ready when suppliers need paying, instead of scrambling during your busiest weeks of the year.
Example uses for illustration only.
These steps help any bakery present a stronger file.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding