Funding built on your daily card sales, from morning pastries to holiday cake orders. Three months of bank statements and no tax returns.
See My OfferBakery Merchant Cash Advance
Your terminal tells the story of your bakery. We review those deposits, not a stack of paperwork, and repayment follows your card sales.
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 weigh how steady your bakery's sales are.
Your offer shows the full repayment amount before you accept, with no surprise costs after you sign.
Your offer lays out how remittances are collected before you accept, so you can plan your weeks.
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 lives on volume. Croissants at 7 a.m., a birthday cake pickup at noon, a box of cookies on the way home. Most of those sales hit a card terminal, and that steady stream is exactly what a merchant cash advance is built on.
You get a lump sum now. Repayment comes from a share of future card sales, so the amount collected moves with your traffic. A packed holiday week pays down more. A slow January pays down less.
An advance fits best when you need one lump sum and most revenue runs through cards. If your needs are smaller and keep coming back, a line might suit you better. Our line of credit vs. merchant cash advance for bakeries comparison lays it out side by side.
The application takes about five minutes and starts with a soft credit pull. We then review about three months of business bank statements to see your card deposits, slow days and existing obligations. No tax returns are required, FICO 500+ is considered, and sole proprietors can apply.
Your offer shows the full repayment amount and how remittances are collected before you accept, with no surprise costs after you sign. Apply now; funding can arrive in as little as 24 hours for qualified businesses.
Seasonality is one reason bakeries look at advances, because collections move with card sales. We look at three months of statements and ask about your seasons so the offer reflects how your shop actually runs.
Funding ranges from $25,000 to $5,000,000, depending mainly on your deposits and existing obligations.
Yes, wholesale deposits show up in your bank statements and are part of the picture. If most of your revenue is wholesale rather than card sales, working capital or revenue-based financing may be a better match.
No. We start with a soft credit pull.
Sole proprietors can apply. We work with established businesses that show steady deposits in a business bank account.
Example uses for illustration only.
A few steps help a bakery's file read clearly.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding