Wells Fargo has proven over the years to be one of the most reliable and accessible financial institutions for small business owners in the United States.

As a matter of fact, available data shows that they consistently rank among the top lenders for SBA loans and offer a wide range of flexible financing solutions tailored to small businesses—including those in the food and retail sectors.

Their commitment to supporting entrepreneurs has earned them the trust of thousands of small business owners nationwide.

If you own a cookie business and are looking for ways to apply for a loan from Wells Fargo; whether you’re launching a new bakery, expanding your cookie production, or opening a storefront, Wells Fargo offers funding options that can help.

In this article, we will provide you with a step-by-step guide on how to secure a cookie business loan from Wells Fargo, covering eligibility, documentation, and application tips.

Step-By-Step Guide On How To Secure A Cookie Business Loan From Wells Fargo

Step 1: Determine Loan Type

Wells Fargo offers several loan options for small businesses:

• Wells Fargo Small Business Advantage® Line of Credit
• Wells Fargo Business Term Loans
• SBA Loans (7(a), 504, and Express)

Choose one based on your funding needs (e.g., working capital, equipment, storefront setup).

Step 2: Check Eligibility

To qualify for a Wells Fargo small business loan, you generally need:

• At least 2 years in business (for traditional loans)
• Good personal and business credit score (typically 680+ for SBA loans)
• Consistent revenue (documentation often required to show steady income)
• For startups (like new cookie businesses), SBA loans are usually more accessible

Step 3: Gather Required Documentation

Prepare the following:

• Business plan (especially important for startups)
• Personal and business tax returns (last 2–3 years)
• Bank statements (3–6 months)
• Profit & loss statements
• Balance sheet
• Legal documents (business registration, licenses, leases, etc.)
• Personal identification (e.g., government-issued ID)

Step 4: Improve Your Application

• Strengthen your credit score before applying.
• Show cash flow projections that highlight how you’ll repay the loan.
• Prepare a compelling pitch that details how the loan will grow your cookie business.
• If you’re a startup, focus on SBA loan options and show strong collateral or equity investment.

Step 5: Apply

You can apply:

• Online via Wells Fargo’s small business loan portal
• In-person at a local branch (recommended for personalized assistance)
• By phone: 1-800-416-8658 (Mon–Fri, 7 a.m. to 11 p.m. ET)

Step 6: Follow Up

• Be responsive to requests for additional documents.
• Ask your assigned loan officer about loan status, and be prepared for credit checks or underwriting reviews.

By following these steps, you increase your chances of getting approved for a cookie business loan through Wells Fargo.

If you’re a startup, SBA-backed loans may be your best route, especially when paired with a solid business plan and detailed financial forecasts.