Funding sized to your sales and repayment tied to revenue, built for bakeries whose busy and slow months look nothing alike.
Get My OfferBakery Revenue-Based Financing
We review about three months of deposits to see your real revenue pattern, then build an offer around it. No tax returns, and a soft credit pull to start.
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.
Five minutes online and about three months of statements. Funding in as little as 24 hours for qualified businesses.
FICO 500+ is considered, with strong weight on your deposit history.
Your offer shows the full repayment amount before you accept. Nothing new is added after you sign.
How and when repayment happens is laid out in the offer up front, so you can plan around it.
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.
Bakery revenue rarely moves in a straight line. December and wedding season can carry the year, while late January and the heat of summer thin out the morning line. A fixed payment that ignores that rhythm can squeeze the account right when sales dip.
Revenue-based financing is built around sales. Funding is sized to your revenue history, and repayment is tied to the revenue you bring in, so the structure follows your business rather than fighting it.
No tax returns are required, and we start with a soft credit pull.
Revenue-based financing is flexible on use. Common bakery examples include stocking up before the holidays, adding a second shift to handle a large wholesale contract, opening a second counter or kiosk, or covering costs through a slow season. Some owners use it to launch catering or online ordering once demand is proven.
| Option | Best when |
|---|---|
| Revenue-based financing | Sales are steady overall but seasonal |
| Merchant cash advance | Most revenue comes through card sales |
| Line of credit | You want to draw only as needed |
| Equipment financing | The need is a specific oven or machine |
Not sure which fits? Apply and we will walk through the options with you.
Revenue-based financing depends on revenue, so the bank statements carry most of the weight. We want to see deposits that show up regularly, whether that is daily card batches from the counter or weekly checks from wholesale accounts. A busy November and a quiet February are normal for a bakery, and we read them that way. We also look at what is already leaving the account each month. A bakery with steady sales and manageable obligations is in a stronger position than one where existing payments eat most of each deposit. For illustration, two shops with similar sales can receive different offers if one already carries heavy payments.
Funding sized to your sales history, with repayment tied to the revenue your bakery brings in.
It can be, since the structure is built around revenue. Your offer shows exactly how repayment works before you accept.
About three months of business bank statements, plus a soft credit pull to start. FICO 500+ is considered.
We fund from $25,000 to $5,000,000, based mainly on deposits and existing obligations.
No tax returns are required.
Yes. Bakeries often split funding between inventory, staffing and small upgrades. Tell us the main uses when you apply so we can review the request in context.
Example uses for illustration only.
Clean revenue records make a revenue-based offer easier to build.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding