Working Capital for Ice Cream & Dessert Shops
Ice cream and dessert shops see sales swing hard between a packed summer weekend and a quiet winter weeknight, all while freezers and display cases have to run nonstop. Working capital covers a freezer repair, seasonal ingredient stock or extra staffing to catch a shop's busiest months.
Approval in as little as 24 hours after you apply, with funds sent as soon as the next business day, so ice cream & dessert shops never wait on a bank.
Fixed daily or weekly payments sized to your sales, not a balloon due date. Sales can be heavily concentrated in warm-weather months, leaving a shop to cover year-round rent and equipment costs on a seasonal revenue curve.
Funding is a purchase of your future receivables, so you are not pledging equipment, property or personal assets. A failing freezer or display case does not just cost a repair bill, it risks the entire inventory melting or spoiling.
One approval, draw what you need, and return for additional funding as your ice cream & dessert shops business performs. Specialty ingredients like mix-ins, toppings and seasonal flavors require upfront purchasing before a single scoop or cone is sold.
Repair or replace freezers, display cases and soft-serve machines.
Staff up and stock ingredients ahead of the busy summer season.
Cover rent and payroll through the quieter winter months.
Repayment is a fixed daily or weekly amount sized to your actual revenue pattern, so a seasonal business is not forced into a flat payment that ignores its slow months. Underwriting reviews your bank statement history to account for that swing.
Yes, approval can happen in as little as 24 hours, with funds available as soon as the next business day. That speed matters when a freezer failure threatens an entire inventory.
A dessert shop generally needs at least six months in business and $10,000 or more in monthly revenue. There is no requirement around years of tax history or collateral.
Paz funds ice cream & dessert shops from $2,500 to $5,000,000. Most ice cream & dessert shops qualify for $10,000 - $75,000, based on monthly revenue and time in business rather than collateral.
A US business that has operated for at least six months with $10,000 or more in monthly revenue, your last three months of bank statements and your EIN. The application takes about five minutes, and there is no hard credit pull to get pre-qualified.
Ice Cream & Dessert Shops funding, approved in as little as 24 hours