Working capital for bakeries.
When a holiday rush or a big wedding order lands, you need flour, staff, and oven space ready before the first ticket prints. Serving bakeries across Louisiana and Texas.
We know how bakeries really run.
Financing built around your industry's real cash-flow rhythm — not a one-size-fits-all bank box.
The pressure points we solve
The cash-flow squeezes we hear about most — and the fair fix for each.
The squeezeHoliday orders spike before the cash arrives.
The fair fixFast funding for ingredients and extra bakers so you can say yes to every big order.
The squeezeA dead oven can shut down your whole morning.
The fair fixFixed, predictable payments to replace ovens and proofers without a daily debit draining you.
The squeezeSlow winter months squeeze your cash flow.
The fair fixInterest-only options for the slow season so payments breathe when sales dip.
What bakeries owners use it for
Put the capital where it moves the needle most.
Commercial ovens & proofers
Bulk flour & ingredient buys
Display cases & packaging
Seasonal staff & overtime
Delivery vans
Storefront build-outs
What it takes to qualify
Most operators here use business capital — but if you're financing property or equipment, that path qualifies differently.
Business Capital
- Operating at least a few months under current ownership
- Roughly $17,000+ per month in business revenue
- Personal credit around 575+ on most programs
- Not over-extended on existing cash advances
- Bank statements usually enough to start — no tax returns to check options
Real Estate & Assets
- Credit generally 620+ (some programs start lower)
- Equity or down payment — up to ~80% loan-to-value
- The property's income covers the payment (DSCR programs)
- No tax returns required on most DSCR programs
- Entity docs, insurance, and a purchase contract or payoff statement
Guidelines are typical ranges across our lender network, not a commitment to lend — every deal is reviewed individually.
Ready to fund your bakeries business?
Two minutes, no obligation, no credit impact. Or call (337) 344-9939.
