Franchise funding
For hands-on owners of lobby, drive-thru and modular stores: the needs we see, the product that fits and what the review reads.
✓ Merchant Fund Express starts with a soft credit pull. Terms depend on your location's revenue and history.
Updated October 21, 2026 · Merchant Fund Express
Merchant Fund Express funds existing Biggby Coffee owners: business loans, merchant cash advances, revenue-based financing, lines of credit, equipment financing and working capital from $25,000 to $5,000,000. Because every Biggby store is franchise-owned, we read your own store's deposits after franchisor drafts, rent and existing payments. A complete file gets a same-day decision, and funding often follows the next business day.
Owners of open Biggby stores. The system began in East Lansing, Michigan, in 1995, is 100% franchise-owned, and is built for hands-on owners. Stores come in three published shapes: lobby and drive-thru stores in strip centers with two points of purchase, drive-thru-only buildings, and modular units in select markets.
See the coffee and beverage franchise sector guide and our coffee shop industry page for the wider cash cycle.
Checked Oct 2026 against official sources: the franchisor's own franchising site, its FDD or SEC filings, or the SBA Franchise Directory. Figures change; confirm current numbers in the latest Franchise Disclosure Document. Figures we could not confirm from an official source are left out.
Already running a Biggby Coffee location and need capital? Merchant Fund Express funds existing franchise owners with every product below. Terms depend on the business's revenue and history.
With two points of purchase, owners often ask about window timers, headsets and an extra espresso station for the morning peak.
Espresso machines, blenders and grinders take daily abuse in a hands-on, high-ticket-count store. See coffee shop equipment repair funding for repair versus replace.
Many stores sit in cold-weather markets where traffic and drink mix change with the season while payroll and rent do not. Our slow season funding page walks through that gap.
| Need | Product | Published requirement it leans on | What to send |
|---|---|---|---|
| Second espresso station or new grinders | Equipment financing | Vendor quote and useful life | Quote, 3 months of statements |
| Drive-thru timers and headsets | Business loan | Tier 1: 3+ years, FICO 650+, applicant owns 50%+ | Quote, statements |
| Seasonal menu inventory | Line of credit | Tier 1: about $25K/month revenue, 8+ deposits, NSFs max 6/month | Statements, supplier invoices |
| Winter payroll gap | Working capital | Tier 2: 6+ months, FICO 600+, $60K verifiable revenue | Statements, payroll register |
| Store with a current advance | Revenue-based financing | Tier 2: up to 2 current advances, $800 minimum daily balance | Statements, debt schedule |
Sole proprietors are eligible, and Merchant Fund Express accepts ITIN applicants.
Imagine a lobby and drive-thru store depositing $62,000 a month. Payroll is $19,000, coffee, dairy and supplies $17,000, franchisor drafts $5,580, rent $5,500 and existing payments $2,200. The owner wants a second espresso station and grinders quoted at $28,000.
Figures in this example are illustrations of the arithmetic, not an offer, quote or approval. Real terms depend on the file and the funder.
A store still in the signing-to-opening stretch has no deposits to read, so it needs operating history before Merchant Fund Express can review it. Owners adding a second store are read on the current store's deposits; see second location funding. Buying an operating store from another owner follows franchise transfer financing, and first-time buyers can start with buying a franchise.
Yes. We read the store's deposits and the owner's credit, starting with a soft credit pull.
The products are the same; drive-thru-only and modular stores often show sharper morning peaks and no lobby tickets.
Yes. Equipment financing is reviewed against a vendor quote and the machine's useful life.
Each store or entity is read on its own deposits and obligations, so one store's request does not depend on the others.
No. Merchant Fund Express is independent. We use the Biggby Coffee name only to identify the owners this page is for; it does not mean the franchisor endorses or works with us.
Merchant Fund Express is independent. Not affiliated with or endorsed by Biggby Coffee or its franchisor. Brand names identify the owner audience only.
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.
