Business Loans for Bakeries & Bake Shops

Take a bite out of the competition with affordable financing from Celtic Bank

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BAKERY FINANCING WITH CELTIC BANK

Buy, Build or Expand Your Bakery

Do you want to finally buy the space you’ve been renting for years? Need to renovate? Replace some expensive equipment? Or buy a competing bake shop?  

With Celtic Bank as your financing partner, you can have your cake and eat it too. We can help you get the cash you need to grow your bakery, at terms you can afford. 

So, whether you want to purchase commercial real estate, upgrade equipment or add a second location — we can finance it. You can trust our years of experience of financing bakeries like yours to avoid delays and surprises, speeding up your time to funding.  

So let us do the heavy financial lifting, so you can focus on getting more customers in the door. 

Partner today with a lender that knows your business. 

Bakery Financing Details

Celtic Bank is a top-five SBA preferred lender with delegated lending authority from the SBA. That means we approve SBA loans in-house, giving you access to your funds faster.  

  

With SBA 7(a) Financing Get:

  • Competitive Rates 
  • Up to 90% loan-to value (LTV)
  • Up to $5M in funding 
  • Terms of up to 25 years 
  • No balloon payments 
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USES OF BAKERY FINANCING

Get What You Need—and When You Need It

The low rates and longer repayment terms of SBA financing gives you the cash flow to invest more in your bake shop and less on expensive debt. You have the cash you need to resolve common challenges of running a bakery, while still having the cash to grow. You can use an SBA 7(a) loan to:

Buy an existing bakery  

Open and build-out a new location 

Purchase commercial real estate 

Buy out a partner 

Update equipment 

Refinance business debt 

Hire staff 

Offer delivery and ordering services 

Expand your menu 

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RECENTLY FINANCED BAKERIES

Let Celtic Bank Fund Your Bakery

Celtic Bank extends millions of dollars in loans to bakeries around the country. We would love your bakery to be our next project.
Fund Your Bakery Today!

CASESTUDY

Don’t Just Take Our Word for It

Need a Business Loan?

Pre-qualify for a loan in minutes and focus on growing your business.

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