Bakery Equipment Financing & Leasing
Ovens, mixers and proofers without draining your cash
Liberty Capital finances retail bakeries, wholesale and commercial bakeries, cafés, tortillerias, donut shops and pastry kitchens. Deck, rack and convection ovens, spiral mixers, proofers, sheeters and display cases, new or used, from dealers nationwide.
Bakery equipment we finance
Why bakeries lease instead of paying cash
A new rack oven or spiral mixer can cost as much as a delivery truck. Leasing is an inflation buster: your payment stays fixed while flour, butter, labor and equipment prices rise. It is cash flow management, a low capital outlay compared with buying outright, so cash stays free for ingredients, payroll and marketing.
Payments are low and manageable, terms run up to 5 years, and most leases end with a $1 buyout, so you own the oven. Leased equipment may qualify for Section 179, a potential 100% deduction in the year it goes into service (ask your CPA). You conserve cash for growth: a second location, wholesale accounts or a new product line.
What you get
Lease, EFA or working capital?
| Equipment lease ($1 / FMV) | Equipment financing (EFA) | Working capital | |
|---|---|---|---|
| Best for | Ovens, mixers, refrigeration | Equipment you want to own outright | Ingredients, payroll, a slow month |
| Term | Up to 60 months | Up to 60 months | 3–24 months |
| Payments | Monthly, fixed | Monthly, fixed | Daily, weekly or monthly |
| Funds go to | The vendor | The vendor | Your business |
| Startups | Considered | Considered | Usually 6+ months of revenue |
*Application-only limits vary by credit, time in business, equipment type and industry.
What it takes to qualify
- $3K–$49,999: 600+ credit, application only
- $50K–$150K: 650+ credit, application only
- $150K and up: 650+ credit, 2–3+ years in business and financials
- Equipment quote and 3–4 months of bank statements
- $0 down is reserved for 5+ years in business, established PayNet and D&B business credit and 700+ personal credit
Startups and new locations
New bakeries are reviewed case-by-case. Strong personal credit, baking or food service experience, a signed lease and a down payment all help. Used equipment can lower the startup cost, but older units may need a shorter term.
From quote to first bake
- Get a quoteFrom your equipment dealer or a private seller
- Apply in minutesOne-page application; soft inquiry to start
- Get approvedOften within a business day on smaller deals
- We pay the vendorYou schedule delivery and install
Bakery equipment financing questions
Can I lease a commercial bakery oven?
Yes. Deck, rack and convection ovens can be leased new or used, usually on a $1 buyout lease so you own the oven at the end.
Can installation and venting be included?
Often, yes. Qualified buyers can roll delivery, installation and venting into the financing, subject to approval.
Can I get financing to open a bakery?
Yes, case-by-case. Startups usually need good personal credit, industry experience and a down payment.
Do you finance used bakery equipment?
Yes, from dealers or private sellers. Older equipment may need a shorter term or a condition check.
What credit score do I need?
Generally 600+ for smaller deals and 650+ for $50K and up.
Will applying hurt my credit?
We start with a soft inquiry. The lender runs a hard inquiry only when you move forward.
Ready to upgrade your bakery?
Get a free quote or call (888) 511-6223.
Rates and terms disclosure: any rates, payments or terms shown are examples only. Sample rates apply to established businesses with 3 to 5+ years in business and strong credit (680+ FICO), subject to credit approval. Startup rates vary and are subject to final approval. Application-only limits vary by credit, time in business, equipment type and industry; amounts shown are guidance, not a promise. $0 down is reserved for businesses with 5+ years in business, established PayNet and D&B business credit and 700+ personal credit. This is not an offer or commitment to lend. Not tax advice; ask your CPA about Section 179.