Cafe/Bakery Business Loan

Looking for a quick bakery loan to accelerate your slow-moving cafe business? We at Ziploan offers hassle-free Cafe/Bakery loan up to 7.5 lakh to meet your financial needs. You can get a cafe business loan online in just 3 days* after submitting few documents.

instant business loan

ZipLoan is the Lender of Choice for Small Businesses.


Minimal Documentation

No balance sheet needed


No Prepayment Charges

After first 6 EMIs


Receive Funds Within 3 Days*

Straight into your account

What is a Bakery/Cafe loan?

A bakery business loan is a kind of business loan that financial institutions provide to bakery and cafe owners to manage their working capital flow. Cafe loans can be used for buying kitchen equipment, furniture and fixtures, construction of buildings, cafe renovation, and investing in the interior.

Top Features of Bakery Loan:

  • Cafe Finance up to Rs 7.5 lakh – We offer bakery business loans ranging from Rs. 1 to 7.5 lakhs. We have a flexible ticket size, so you can pick the amount that you need.
  • Loan in 3 Days* - To process loan applications faster we process document submission online. You can get the loan amount within 3 days* after submitting the required documents.
  • Apply Online - To apply bakery MSME loan scheme fast and comfortably, we have made the entire application process online. We also offer same-day approvals with disbursals within three days after the documents are submitted and verified.
  • Best Interest Rates - Our cafe loan interest rates are the best in the industry. No manual intervention but the automated process makes our process and interest rates fair. The interest rates are offered on the basis of your business's repayment ability.
  • Flexible Repayment Tenure - Our repayment tenure starts from 12 months to 36 months. Therefore, you get enough time to repay the loan amount.
  • No Prepayment Charges - No prepayment charges after you have paid the first 6 EMIs (excluding pre-EMI).

Benefits of Bakery/Cafe Loan Scheme from ZipLoan

The following are the benefits of availing of a bakery loan from us:

  • Manage Working Capital Efficiently: Our bakery loan will help you accelerate your business growth by purchasing kitchen equipment, furniture, and fixtures, renovate the cafe, etc.
  • Business Expansion: With cafe financing from ZipLoan, you can get ahead with production, product marketing, and expand your supply network as well.
  • Raise Credibility: With our bakery business loan scheme, you can boost your business and deliver the order on time that will increase your credibility in the market.

Eligibility Criteria of Bakery Loan

Out MSME loan eligibility criteria are simple to let more and more business individuals avail the loan amount.

  • An established cafe with a business vintage of more than two years.
  • Minimum annual turnover of Rs. 10 lakhs in the previous year.
  • The business must not have any default history.
  • The last year's ITR should be more than Rs. 1.5 lakhs.
  • The borrower should own either house or a business place.

Documents Required for a Cafe / Bakery Loans

 ProprietorshipPartnershipPvt. Ltd. / LLP / One Person Company
Bank statement (12 months)
Business registration proof
PAN Card
Aadhar Card
ITR of the previous two years

Cafe / Bakery Loans Fees & Interest Rates

Customized Interest RatesYes
Loan Tenureup to 36 months
Pre-closure chargesNil** after paid the first 6 EMIs
Eligibility CriteriaAnnual turnover more than Rs.10 lakh
Loan Amount₹ 1 Lakh – ₹ 7.5 Lakh

How to Apply for Bakery/Cafe Loan

Here are three steps process to Bakery/Cafe loan apply online from ZipLoan:

  1. Submit Application - Simply enter your personal, business, and financial details to receive a Bakery/Cafe Loans offer.
  2. Upload Documents - Upload digital copies of your documents in a single-step process for verification.
  3. Get Sanctioned - Receive your Bakery/Cafe financing approval and disbursal within 3 working days*.

Solving Real problems

Ram Yadav

I have been running my business for over twelve years but have not been able to undertake expansion activities. I applied to Ziploan and they cleared my loan application in a very short span of time.

Kanchan Lata

I approached Ziploan for an equipment finance loan. Their eligibility criterion was easy to fulfill because it required only 2 years ITR and 10 lacs of annual banking credit.

Ready for Ziploan to
empower your business ?