Capital sized to your morning rush.
Ovens, mixers and a bigger front counter, funded on your sales and repaid as you sell.
Same-day decisionNext-morning fundingNo hard credit pull
$5,000 – $200,000Sized to your deposits, not your credit score.
Use of capital
Where bakeries and cafés put it to work.
Ovens & mixers
Deck ovens, proofers and mixers that raise daily output.
Front-of-house refresh
A larger pastry case, seating or a counter rebuild.
Ingredients in bulk
Buy flour, butter and packaging ahead at better pricing.
Wholesale expansion
Vans, packaging and staff to supply local cafés and grocers.
No restrictions on use of funds. Spend it on the thing that makes sense.See my options
01Small tickets, steady volumeHundreds of small daily sales are exactly what we underwrite.
02Wholesale revenue countsACH deposits from wholesale accounts count toward your offer.
03Holiday peaks priced inWe expect December to look different from February.
Requirements
If you're open and taking payments, start here.
We read your deposits and card volume, not just your credit score. Apply in five minutes with no hard credit pull.
12+ monthsin business
$15,000+in monthly revenue
Card processinghistory with any major processor
Business checkingaccount in the business name
Questions
What bakeries ask us.
Yes. We read all business deposits, card and ACH.
Keep the ovens hot. We will handle the capital.
No hard credit pull. No obligation. A real offer, not a range.