Franchise funding
Built for franchise owners who are already open: every product, every sector, and the brand pages for the concept you run.
✓ Merchant Fund Express starts with a soft credit pull. Terms depend on your business's revenue and history.
Updated October 21, 2026 · Merchant Fund Express
Already running a franchise and need capital? Merchant Fund Express funds existing franchise owners in every sector: business loans, merchant cash advances, revenue-based financing, lines of credit, equipment financing and working capital, from $25,000 to $5,000,000. We read royalty and ad fund debits as normal costs, size the payment after them, and give a same-day decision on a complete file, with funding often the next business day.
The owner whose name is on a franchise agreement and whose store already takes deposits. That covers a single-unit operator, a couple running two stores under one LLC, and a multi-unit group with an entity per location. If the unit is open and the bank statements show it, Merchant Fund Express is built for you.
Terms depend on the business's revenue and history. Everything else on this page explains how each product works for a franchise unit and where to read more.
| Product | Typical franchise need | What it leans on |
|---|---|---|
| Business loan (term loan) | Remodel, refresh, planned project | $10K to $250K, 12 to 18 months, weekly payments, 0% origination |
| Line of credit | Payroll timing, inventory, repeat swings | $10K to $350K, from 1% per month, pay only on draws |
| Merchant cash advance | Urgent need, card-heavy unit | 6+ months, FICO 600+, sized on sales; not a loan |
| Revenue-based financing | Seasonal or uneven revenue | Payments sized to revenue; not a loan |
| Equipment financing | Ovens, coolers, lifts, presses, kiosks | Vendor quote and useful life |
| Working capital | Payroll, inventory, any operating cost | Deposits after royalties and existing payments |
| Invoice factoring | Commercial clients paying on terms | The invoices themselves |
Not sure? Read franchise business loans for the full product map, or the requirements page for every published threshold in one table.
Five side-by-side guides, each worked through with royalty and ad fund debits in the arithmetic:
Every sector with operating units. Each sector page maps the cost lines of that business model to the product that fits, and lists every brand page in the sector.
Looking for your brand? The brand directory lists every brand page by sector. Brand not listed? Any operating franchise unit can apply.
See the documents checklist and how royalty debits look in a file.
Merchant Fund Express funds operating businesses, so a first franchise purchase or a startup needs an operating history first. Read existing vs new and buying a franchise. Already open and adding the next unit? That is a different story: read funding a second franchise location.
No tax returns for a typical first review; full financials usually only above $250,000. Merchant Fund Express gives a same-day decision on a complete file. Apply now.
Merchant Fund Express funds existing franchise owners with business loans, lines of credit, merchant cash advances, revenue-based financing, equipment financing and working capital, from $25,000 to $5,000,000, with a same-day decision on a complete file.
Yes. Merchant Fund Express offers merchant cash advances to operating franchise units with 6+ months in business and FICO 600+, sized from card sales and deposits after royalty and ad fund debits.
They are read as normal recurring obligations, like rent. Payment capacity is sized after royalty and ad fund debits.
Scores from 500 are considered. 600+ opens better offers; revenue-based financing asks for 600+, and the line of credit and term loan ask for 650+.
No. Merchant Fund Express is independent. Brand names on these pages only identify the owners each page is written for.
No. We fund operating businesses, so a first unit needs an operating history. Existing owners opening another unit are reviewed on their current units' deposits.
Merchant Fund Express reviews your location's revenue, deposits and existing payments. Same-day decision on a complete file; funding often the next business day. About five minutes to apply.
