Business Loans for Bakeries

Get £3k to £300k in 24 hours*

  • Pay back through future card sales
  • Unsecured – there’s no worry
  • Same day business funding
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Quick Decision with No Obligation

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Supporting British Businesses

Business funding fresh out of the oven

A business loan for your bakery can help assist growth and innovation. Whether you 'knead' (pardon the pun!) an upgrade in equipment, stock up on premium ingredients, expand your space, or elevate your marketing efforts, our flexible funding solution is designed to assist in achieving your goals.

Works with your existing PDQ card machine

Works with your card sales

Unlock funding from £3,000 up to £300,000 against your customer card sales.

Flexible repayments - repay when you sell

Flexible repayments

Automatically repay a small percentage when customers purchase by card – There are no fixed payments.

Unsecured finance - No asset security required

No asset security required

The advance is unsecured, so your business assets are safe.

Keep 100% of cash transactions

Fast funding

A quick decision and process mean you can access your money in just 24 hours* after approval.

No hidden costs

No hidden costs

The cost of the finance is made clear to you upfront. There are no hidden costs, confusing APR’s or other nasty charges.

Apply online 24 hours a day 7 days a week

Apply online 24/7

Apply at any time - We can process your application 24 hours a day.

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Quick Decision with No Obligation

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The business loan that rises to the demands of your bakery

There's no doubt that we're a nation of bread lovers. A whopping 99.8% of British households buy bread and consume 11 million loaves every single day! This makes the bakery market (worth £5 billion!) one of the largest sectors in the UK's food industry.

A recent report reveals that there are 2,720 bakery businesses in the UK, with a surge in smaller artisan bakeries. This growth is driven by customer demand for quality breads, such as sourdough, organic products and other fresh pastry goods.

But bakeries are more than just places that produce delicious pastries, bread, and cakes. They're integral parts of local communities across the UK's high streets, bringing people together over freshly baked goods. But despite this, bakery businesses often encounter numerous challenges, such as a lack of funding that can impede their growth and investment.

Here at MLA, we understand the challenges that bakery businesses face due to funding constraints. We can help support bakeries with a business finance solution called a merchant cash advance.

This funding solution is particularly well-suited for bakery businesses due to their reliance on card sales. It simply unlocks capital against your future customer card sales. Repayments are flexible and tied to a small percentage of the income generated by card sales. There's no fixed term, so if sales are low, you pay back slower; if sales are higher, you pay back faster.

Whether you are looking to upgrade your bakery equipment, expand operations, or invest in marketing strategies, we can help your business with the funding needed to grow - ensuring you continue to thrive within your community.

To see how much your business could borrow, apply now. It's fast, free, there's no obligation, and it won't affect your business credit rating.

Apply Now

Quick Decision with No Obligation

Small bakery business accepting card payment from customer

Bakeries can use the funding for various purposes, including:

  • Investing in marketing, advertising and branding
  • Hire skilled production bakers and counter staff
  • Purchase new equipment such as ovens, mixers, refrigeration units, or other specialist baking equipment
  • Purchasing ingredients for your baked goods
  • Expanding your bakery space, renovating the storefront, or opening new branches
  • Cover short-term cash flow gaps
  • Unexpected costs like tax or repair bills
  • Build a professional website with an online store
  • Plus many other business purposes!

A business loan is designed to give bakery businesses a quick financial boost when they require it. This funding can be used to support various aspects of the bakery's operations, such as buying new equipment, expanding or marketing. Additionally, it can be used to cover day-to-day operational expenses, ensuring the bakery operates smoothly.

Here at MLA, we offer a merchant cash advance (MCA) rather than a business loan. While both provide businesses with funding, their repayment structures vary.

Unlike a business loan with fixed monthly instalments, an MCA is repaid by the business through a percentage of its daily credit card or debit card sales. This repayment method means that the amount paid back fluctuates based on the bakery's sales. For example, during slow periods, the repayment amount reduces, while during profitable days, it increases.

This way, bakery owners can navigate variations in cash flow without the constraints of fixed monthly payments, allowing for greater financial flexibility and stability in managing their business operations.

We offer advances from £3,000 up to £300,000, but the amount your bakery business can borrow depends on several factors, including your monthly card turnover and affordability. Generally, you can borrow up to one month's card revenue.

For example, if your bakery business takes an average of £5,000 a month via customer credit or debit sales, you could borrow up to £5,000 - sometimes more, depending on the provider.

Find out how much you could qualify for, apply online today!

Yes, we can. Merchant cash advances are primarily based on sales history rather than credit scores. This means that businesses with lower credit scores may still qualify for an MCA based on their sales performance.

Absolutely! Our business finance can be used for various purposes, including purchasing bakery equipment. Whether you're looking to acquire ovens, mixers, refrigeration units, or other machinery crucial for your bakery operations, a cash advance can often be used to finance such equipment.

Yes, if your business is currently operational and looking to expand to a new location, you can use business finance to open a new bakery. Unfortunately, our advances aren't suitable if your business is in its initial start-up phase and has been trading for less than three months.

To qualify, your business must meet the following criteria:

  • Be a Limited company or sole trader
  • Based in the United Kingdom
  • Trading for at least 3 months
  • Accept card payments in-person or online
  • A monthly card payment turnover of more than £3,000

Why not make an enquiry today and see if you qualify?

To start the process, simply apply here and complete the necessary fields with your business information. Our online application process is designed to be fast, free, and hassle-free. Once submitted, we'll quickly match you to suitable lenders on our panel, who will contact you to discuss your application in more detail.

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Quick Decision with No Obligation

Funding Britains Small Businessses

"We have helped many small bakeries across the UK receive funding to grow"

£20+ Million
Total Funded to Businesses

Application Approval Rate

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It's as easy as 1-2-3!

The process is fast, simple and straightforward. It's hassle-free, meaning there's no complicated paperwork to complete so you can focus on growing your business.

Step 1 - Apply online in minutes


Apply online in minutes

Apply online for a cash advance from £3,000 up to £300,000 for any business purpose.

Step 2 - Get funded in 24 hours


Get funded in 24 hours*

The merchant cash advance can be with you in as little as 24 hours* after approval.

Step 3 - Pay back only when you sell to your customers


Repay only when you sell

You simply pay back a small percentage of your future card sales as they happen. You only repay when you sell.

Apply Now

Quick Decision with No Obligation

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