Business Loans for Bakeries & Bake Shops
Take a bite out of the competition with affordable financing from Celtic Bank
Apply nowBAKERY 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
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






