Working Capital for Bakeries
From neighborhood bread shops to wholesale pastry producers, bakeries run on thin margins, early hours and equipment that cannot go down during a rush. Working capital helps bakery owners buy ingredients in bulk, replace a failing oven and staff up for holiday baking seasons without waiting on a bank.
Approval in as little as 24 hours after you apply, with funds sent as soon as the next business day, so bakeries never wait on a bank.
Fixed daily or weekly payments sized to your sales, not a balloon due date. Flour, butter, sugar and specialty ingredients must be purchased and paid for well before a single loaf or cake generates revenue.
Funding is a purchase of your future receivables, so you are not pledging equipment, property or personal assets. Holiday seasons like Thanksgiving, Christmas and Easter can account for a large share of annual sales, requiring upfront investment in staff and inventory weeks in advance.
One approval, draw what you need, and return for additional funding as your bakeries business performs. A single broken oven, mixer or walk-in cooler can halt production entirely, and bakeries rarely have the cash reserves to cover an emergency repair or same-day replacement.
Keep ovens, mixers and proofers running so production never stops.
Stock up on ingredients and packaging ahead of holiday baking rushes.
Bring on extra bakers and counter staff for busy seasons without cash-flow strain.
Paz asks for at least six months in business and $10,000 or more in monthly revenue, not years of tax returns. Many bakery owners qualify well before they would meet the credit-history requirements a traditional bank expects.
Yes, bakery owners commonly use working capital for equipment repair, replacement or upgrades. There is no restriction on what the funds are used for once you are approved.
Approval can happen in as little as 24 hours, with funds arriving as soon as the next business day. That timeline is built for bakeries that need ingredient and staffing cash before Thanksgiving, Christmas or another seasonal spike.
Paz funds bakeries from $2,500 to $5,000,000. Most bakeries qualify for $10,000 - $75,000, based on monthly revenue and time in business rather than collateral.
A US business that has operated for at least six months with $10,000 or more in monthly revenue, your last three months of bank statements and your EIN. The application takes about five minutes, and there is no hard credit pull to get pre-qualified.
Bakeries funding, approved in as little as 24 hours