Bakeries occupy a specialized corner of the food industry — production-heavy operations producing bread, pastries, cakes, and specialty baked goods at scale. Capital needs span retail build-outs (for retail bakeries with storefront sales), commercial production equipment (deck ovens, mixers, proofers, sheeters), packaging equipment (for wholesale and grab-and-go operations), and delivery vehicles (for wholesale distribution to restaurants, cafes, and grocery).
Prime Restaurant Capital funds bakeries at every scale: independent retail bakeries, multi-location bakery cafés, commercial bakeries serving wholesale customers, and specialty bakeries (gluten-free, vegan, ethnic specialty). Funding ranges from $25K (single equipment purchase) to $500K (multi-location expansion or wholesale capacity build-out).
Bakery Capital Use Cases
Commercial Ovens
The largest equipment investment for serious bakeries. Deck ovens for artisan bread ($15K-$45K), rotating rack ovens for high-volume production ($25K-$80K), convection ovens for pastries ($5K-$25K), specialty equipment (steam injection ovens, hearth ovens). Equipment financing structures over 36-60 months.
Mixers, Sheeters, and Production Equipment
Commercial bakery production requires industrial mixers ($5K-$25K for spiral mixers, planetary mixers), dough sheeters ($8K-$35K), bread slicers, packaging equipment, refrigerated proofing cabinets ($5K-$20K), retarder-proofers, and walk-in refrigeration.
Retail Build-Outs
Retail bakery storefronts need display cases (refrigerated and non-refrigerated, $5K-$25K), front-of-house build-outs, packaging stations, and customer-facing finishes. A retail bakery storefront typically costs $100K-$300K to build out properly.
Wholesale Distribution Capacity
Bakeries selling wholesale to restaurants, hotels, and grocery need delivery vehicles, larger production capacity, and packaging optimization. Working capital and equipment financing combine to fund wholesale expansion.
Bakery Funding Qualifications
- Operating bakery in the US — minimum 6 months
- Monthly revenue $15K+ (most bakeries we fund do $20K-$120K monthly)
- Credit score 500+ accepted
- Active business bank account with consistent deposits
