Needing bread with ingredients taken up, a chef drops bananas (8,3,4)
I believe the answer is:
strapped for cash
'needing bread' is the definition.
('bread' is a slang term for money)
'ingredients taken up a chef drops bananas' is the wordplay.
'ingredients' becomes 'parts' ().
'taken up' says the letters should be written backwards.
'bananas' indicates anagramming the letters (informal term for mad).
'parts' reversed gives 'strap'.
'a'+'chef'+'drops'='achefdrops'
'achefdrops' is an anagram of 'pedforcash'.
'strap'+'pedforcash'='STRAPPED FOR CASH'
'with' is the link.
(Other definitions for strapped for cash that I've seen before include "Bust" , "not rolling in it" , "needing money" , "very short of money?" , "as an S & M prostitute?" .)