Bakery Equipment Financing

Finance deck and rack ovens, mixers, proofers, and retail fit-out — with the schedule split by how long each part of a bakery actually lasts. Representative example: a $175,000 bakery package runs about $3,300/month.*

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The Bakery package Reality

A bakery is two purchases pretending to be one. The deck oven, the rack oven, and the proofer are thirty-year assets that outlast the lease and hold value on the used market. The spiral mixer, the sheeter, the display cases, and the retail fit-out are on a much shorter clock. Financing all of it on one blended term either overpays for the ovens or underfunds everything else, so we split the schedule and let the long-lived equipment carry the long term.

Built for This Asset

Structures priced by people who know what a bakery package earns and how it holds value — not a generic credit box.

Food & Beverage Expertise

Part of our Food & Beverage vertical: payment structures matched to how this industry's revenue actually arrives.

Backed by $1B

A $1B forward flow agreement with TPG gives Elevex institutional capital strength with entrepreneurial speed.

What We Finance

Deck, rack, convection, and revolving ovens
Spiral mixers, dividers, and sheeters
Proofers, retarders, and dough handling
Display cases and retail front-of-house
Packaging, slicing, and bagging equipment
Used ovens and refurbished bakery equipment

Payment Structures

The differentiation: four ways to own the same equipment, engineered to your cash flow. Compare them side by side on our structures page.

Operating Lease

Off-balance-sheet treatment with end-of-term flexibility — return, renew, or purchase. Often the right answer when technology cycles or accounting outcomes drive the decision.

$1 Buyout Lease

Own the equipment for one dollar at term end. Fixed payments, full Section 179 eligibility, and a clean path to ownership.

Seasonal & Step Payments

Payments that follow your revenue curve — lighter in slow months, heavier in peak season, or stepping up as new equipment ramps to full production.

Usage-Based & As-a-Service

Payments tied to hours, output, or consumption. The category Elevex is defining: pay for what equipment achieves, not what it costs.

Learn more about financing structures

How It Works

Three steps from quote to funded.

1 · Apply in Minutes

Application-only to $1,000,000 — no tax returns or financials below that threshold. Have your equipment quote, auction listing, or build spec ready.

2 · Structure Together

A finance professional (not a portal) walks the structure options — term, seasonality, end-of-term — and prices the deal to your cash flow.

3 · Fund in 24–48 Hours

Most transactions fund within 24–48 hours of signed documents. Your vendor gets paid; you get to work.

Common Questions

Why split the financing between the ovens and everything else?

Because the assets have different lives. A deck oven is still working in thirty years and a display case is not, so one blended term overpays on one side and shortchanges the other. Two schedules that each end when their equipment does usually costs less overall.

Do used ovens finance well?

Yes. Commercial ovens have a deep used market and long service lives, valued on deck condition, burners, and controls rather than model year — often the strongest value in a bakery buildout.

Can I finance a used bakery package?

Yes — used bakery package financing is standard business, whether the unit comes from a dealer, an auction, or a private seller. We value working assets on condition and remaining service life, not a blanket age cutoff, and set terms the equipment can actually support.

Does a bakery package qualify for Section 179?

Most business-use equipment placed in service this tax year qualifies for Section 179 expensing, financed or purchased outright — often meaning the first-year deduction outruns your first-year payments. Run your numbers on our Section 179 calculator and confirm specifics with your tax advisor.

How fast can bakery equipment financing close?

Application-only decisions to $1,000,000 come back in minutes for qualified credits, and most deals fund within 24–48 hours of signed documents. Apply online with your quote to start.

Ready to finance your bakery package?

Payments built on outcomes, from the team that knows your industry. Equipment sellers: offer financing at the point of sale with CapVex.

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