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 nationwide.
We know how bakeries really run.
Financing built around your industry's real cash-flow rhythm — not a one-size-fits-all bank box.
How each option works
The programs our lending partners actually offer businesses like yours. Not sure which one? Check your options and we'll match the structure to the deal.
Restaurant Equipment Financing
Hoods, coolers, ovens — financed, not bankrolled.
See terms & details →Working Capital Loan
Money for payroll, stock, and the slow months.
See terms & details →Business Line of Credit
Draw what you need, when you need it.
See terms & details →SBA 7(a) Loan
The most flexible SBA loan there is.
See terms & details →Want the full picture first? Get a free Capital Position Report — where your business stands and what it likely qualifies for.
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 bakers 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
Related industries
Businesses with a similar cash-flow rhythm, and the financing we see them use.
Tools and guides for bakeries
Run the numbers
Compare side by side
Guides & related financing
From our insights
What it takes to qualify
Most deals here are secured by equipment, trucks, receivables, or property — but if you need cash-flow financing, that path qualifies differently.
Real Estate & Assets
- Credit generally 620+ (equipment) to 640+ (rental property)
- Equity or down payment — typically up to ~75% 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
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
Guidelines are typical ranges across our lender network, not a commitment to lend — every deal is reviewed individually.
Ready to fund your bakery?
Two minutes, no obligation, no credit impact. Or call (337) 270-2036.
