A convection oven that died mid-holiday-rush, flour and butter to stock before December, a second storefront, or a wholesale account you can't fill yet — we fund it fast, approved on your bank deposits, not your credit score.
You know the pattern. The holidays are your Super Bowl — Thanksgiving pies, Christmas cookie trays, Hanukkah orders, wedding-season cakes — and every dollar of that revenue is on the other side of a mountain of flour, butter, sugar, and eggs you have to buy up front. Then a deck oven throws a heating element three days before the biggest week of the year, and the quote to fix or replace it is more cash than you keep on hand. Or a grocery chain finally says yes to your sourdough on their shelves, and now you need a second rack oven, a bigger mixer, and more hands — before the first wholesale check ever clears.
Bakeries live on thin margins and heavy up-front costs. Banks want two years of tax returns and a 700 credit score for a piece of equipment that pays for itself in a season. That's the gap we close.
Deck ovens, convection ovens, spiral mixers, proofers, walk-in coolers, sheeters, and display cases — funded fast so a breakdown doesn't cost you the season.
Stock flour, butter, chocolate, and specialty ingredients ahead of the holidays or wedding season without draining your operating cash.
Build-out, a lease deposit, a second kitchen, and hiring for storefront number two while the first one keeps paying the bills.
Won a grocery or restaurant account? Fund the added capacity — bigger ovens, more staff, more ingredients — before the first invoice pays out on net-30 or net-60.
A neighborhood bakery in October, staring down the holidays, gets a call: the main deck oven is failing. Replacement plus install runs about $42,000. We fund $50,000 — the oven gets replaced that week, and the extra $8K buys the ingredient inventory to run full-tilt through New Year's. The advance is paid back from the same holiday sales it made possible.
A different case: a cafe-bakery lands a wholesale deal with a regional grocer, but needs a second rack oven, a larger mixer, and two more bakers to hold the volume — and the grocer pays net-60. A $120,000 advance covers the equipment, the hires, and the first two months of extra ingredients so the account is fully stocked long before the first wholesale payment lands.
Our range runs from $10,000 to $500,000 for emergencies (a dead oven, a burst cooler line, a sudden ingredient price spike) up to $25,000 to $5,000,000 for growth (a second location, a full wholesale build-out).
You're a fit if your bakery has been operating for at least a few months, runs meaningful revenue through a business bank account, and has a FICO of 500 or higher. Storefront, cafe-bakery, commissary, wholesale, cottage-scaled-up — restaurants and bakeries are all we fund.
No. Checking is a soft pull that does not affect your score. A hard pull only happens if you accept an offer and move forward.
Yes. We approve on your bank deposits, not your credit score. FICO 500+ works. Consistent daily sales matter far more to us than your bureau report.
In as little as 24 hours. If you apply before early afternoon Eastern on a weekday and get your statements in and the agreement signed, same-day funding is realistic. Apply Friday afternoon and you're most likely looking at Monday.
No collateral is required for working capital. That means you can fund equipment, ingredients, or a build-out without pledging your home or your existing gear.
Yes. It's your working capital — split it across an oven repair, holiday flour and butter, payroll, or a lease deposit however your bakery needs it.
From $5,000 up to $500,000 for emergencies, and $25,000 up to $5,000,000 for growth. The amount you qualify for tracks your bank deposits.
Don't let a broken oven cost you the holidays, and don't turn down a wholesale account because the cash is stuck sixty days out. Check your options with a soft pull that won't touch your credit — and if it's a fit, be funded in as little as 24 hours.
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Operating restaurants doing $20K+/month qualify for $25K – $1,000,000. Apply in 5 minutes.
Start Your ApplicationApproved on your revenue, not just your credit. Start your 1-minute application.
Apply NowWe 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.
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$25K–$5M · funded in 24 hours · 500+ credit OK. A soft credit pull that will not affect your score.
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