Bakeries are equipment- and ingredient-heavy: ovens, mixers, and proofers are serious capital, perishable ingredients are bought ahead, and wholesale orders often ship before the invoice gets paid. We fund on your sales so production never has to stop.
Fast reviews · Clear communication · No misleading promises
Baking is capital-intensive in two directions at once: the equipment (ovens, mixers, proofers, refrigeration) is expensive, and the ingredients are perishable and bought ahead of the sales they'll produce. Add wholesale accounts that pay on net terms, and a profitable bakery can still be cash-tight.
Revenue-based funding reads your retail and wholesale sales, so you can replace an oven, take a big order, or staff up for the holidays, and repay as the product moves.
Ovens, mixers, and proofers
Refrigeration and display cases
Bulk ingredient inventory
Retail build-out or remodel
Packaging and equipment
Delivery vehicles
Holiday and seasonal ramp-up
Fulfilling large wholesale orders
A rough guide by monthly revenue. Actual offers depend on your full profile, these are estimates, not quotes.
Estimates only, not an offer of credit. Approval and amounts are subject to underwriting.
The options businesses like yours reach for most. Not sure which is right? We'll help you compare in one conversation.
A realistic picture of what we look for, and what to have ready so things move quickly.
6+ months in operation
$10k+ in average monthly sales
An active business bank account
Steady retail or wholesale revenue
U.S.-based bakery business
3–6 months of business bank statements
Card-processing or wholesale invoices
A government-issued photo ID
Basic business info (EIN, entity type)
Share your restaurant, monthly sales, and what you need. Five fields, no credit pull at this stage.
We look at recent deposits and card volume to understand what you may qualify for.
See the products that fit your situation side by side, in plain language.
Once you choose a direction, funds for fast options can land in as little as a day.
Main oven failed mid-week
Funded fast, back to baking in a day
Big wholesale order needs ingredients up front
Drew to buy bulk, repaid when the order paid
Opening a retail storefront
Lower-rate financing for the build-out
Representative scenarios for illustration. Individual results, products, and timing vary.
We fund on sales, not just credit
Speed to replace an oven and keep baking
Retail and wholesale bakeries
Straight talk, no guaranteed-approval hype
Bridges wholesale net terms
One conversation to compare every fit
“A wedding-cake season order came in huge but we needed ingredients up front. The line of credit covered it and we repaid when they paid.”
Representative experience. Individual results vary. No outcome is guaranteed.
Still have a question? A specialist can usually answer the same business day.
Start a review→Plain-English answers to the questions owners ask before they apply.
We tailor funding to specific businesses across the industry, explore the others.
Answer a few quick questions and a specialist will help you understand your real options, no credit pull to start.