Cover ingredients, payroll and the slow weeks after the holidays. About three months of bank statements, a 5-minute application, no tax returns.
Check My OptionsBakery Working Capital
Ingredients and staff come before sales do. A lump sum of working capital lets your bakery prepare for the busy season instead of scrambling.
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.
About three months of bank statements and a short application. No tax returns. Funding in as little as 24 hours if qualified.
FICO 500+ considered. We start with a soft pull and look closely at your deposit history.
Your offer shows the full repayment amount before you accept, with no surprise costs added after you sign.
The payment schedule is laid out in your offer up front, so you can map it against slow and busy 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.
Bakers pay for ingredients before a single loaf sells. You staff up before the holiday orders arrive. You order boxes and ribbon for wedding season in the spring. Meanwhile, rent and utilities on those ovens keep running whether the line is out the door or not.
Working capital gives you a lump sum to carry those costs, with a repayment schedule laid out in your offer before you accept. It is the plain, flexible option when you need cash for the business as a whole rather than one specific machine.
Here is how bakery owners tend to put working capital to use:
We review about three months of business bank statements. Your average deposits, how much balance you keep, and what the bakery already owes drive the amount more than anything else. For illustration: a bakery with steady deposits and few existing payments will usually see a larger offer than one with similar sales and several obligations already on the books.
No tax returns are required. We start with a soft credit pull, FICO 500+ is considered, and sole proprietors can apply.
Your offer shows the full repayment amount and the payment schedule up front. No surprise costs are added after you sign. Compare the payment with a slow week, not your best week. If it fits there, it fits.
Start your 5-minute application. Funding can arrive in as little as 24 hours for qualified businesses.
Working capital is a lump sum with a set repayment schedule. A merchant cash advance for bakeries is repaid from a share of future card sales.
You can, but for a big equipment purchase, equipment financing for bakeries is often a cleaner fit.
About three months of business bank statements. No tax returns required.
Funding runs from $25,000 to $5,000,000, based mainly on deposits and existing obligations.
Decisions move quickly, and funding can arrive in as little as 24 hours for qualified businesses.
Sole proprietors can apply. What matters most is an established business with steady deposits running through a business bank account, so keep bakery sales separate from personal spending.
Example uses for illustration only.
Simple steps can strengthen your bakery's application.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding