Funding for retail bakeries, commercial bakeries, and wholesale operations. Commercial ovens, packaging, retail build-outs, wholesale expansion.
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).
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.
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 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.
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.
Frequently Asked
Yes. Deck ovens, rotating rack ovens, and other commercial bakery ovens are commonly financed over 36-60 months.
All wholesale bakery equipment is financable: large mixers, sheeters, packaging equipment, delivery vehicles, walk-in refrigeration.
No. We weight wholesale revenue equally to retail revenue. Wholesale bakeries often qualify for invoice factoring on receivables in addition to traditional working capital.
Yes. Bakery café operations qualify for our standard restaurant funding programs.
All bakery types qualify equally. Specialty bakeries often have stronger margins which supports faster funding approval.
Operating restaurants doing $20K+/month qualify for $25K – $1,000,000. Apply in 5 minutes.
Approved on your revenue, not just your credit. Start your 1-minute application.
We are not a generic small-business lender. Prime underwrites restaurants only — and we fund the way you actually operate.
Every concept — full-service, fast-casual, bars, cafés, food trucks, catering, multi-unit. We read restaurant P&Ls, not generic templates.
Decision in as little as 4 hours, money wired in 24–48. Cover payroll, a broken walk-in, or a second-location window — now.
500+ FICO accepted. We underwrite on your bank deposits and sales, so steady revenue qualifies even after a bank says no.
Built only for restaurants. Approved on your deposits, not just your score. Funded in as little as 24 hours.