# Biggby Coffee Franchise Funding for Existing Owners

> Funding for existing Biggby Coffee owners: espresso and brewing equipment, drive-thru upgrades, inventory and payroll, reviewed from store deposits.

Source: https://mfebusinessloans.com/franchise-funding/brands/biggby-coffee/ (Merchant Fund Express, updated 2026-10-21)

## The short answer

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.

## Who is this page for?

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.

## What the franchisor publishes

Biggby Coffee: facts from official sources
Franchisor: Global Orange Development, LLC, a Michigan limited liability company based in East Lansing (source)
Initial franchise fee: $20,000 (qualified US military veterans receive 50% off) (source)
Royalty: 6% of gross sales, drafted weekly (source)
Advertising fund: Greater of $100 a week or up to 3% of gross sales (currently 3%), drafted weekly (source)
Total initial investment: $242,200 to $610,000 whitebox leasehold; $457,750 to $826,000 modular; $484,200 to $973,000 site-built (FDD dated April 30, 2026) (source)
Liquid assets / net worth asked of new franchisees: $150,000+ liquid / $450,000 net worth (700+ credit score also listed) (source)
Locations: 461 franchised outlets and no company-owned outlets as of the end of 2025 (FDD dated April 30, 2026) (source)
Published formats: Lobby and drive-thru, drive-thru only, and modular "B-Cubed" units in select markets (source)
US franchising status: Actively franchising (not offered in certain states); system is 100% franchise-owned (source)
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.

## Every way to fund your Biggby Coffee location

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.
Franchise business loan: A term loan for a defined project, such as adding drive-thru hardware or refreshing a lobby, sized from current store deposits.
Merchant cash advance: Card-settlement repayment that fits a store whose lobby and window sales both batch daily.
Revenue-based financing: Payments that follow sales, useful through Michigan and Midwest winters when traffic shifts.
Business line of credit: A revolving line for coffee, dairy and seasonal menu inventory that is drawn and repaid several times a year.
Equipment financing: Espresso machines, brewers, blenders and refrigeration financed on a vendor quote.
Working capital: Short capital for owner-operator payroll gaps, repairs or a local marketing push.

## Which problems do Biggby owners bring to a funding review?

Lobby store wants a faster window
With two points of purchase, owners often ask about window timers, headsets and an extra espresso station for the morning peak.
Equipment wear in an owner-run store
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.
Winter and seasonal swings
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.

## Which product fits which Biggby need?

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 |

## How does the review read a Biggby store?

Entity: the company that owns the store and holds its deposit account; multi-store owners often use one entity per store.
Deposits: daily card batches from lobby and window sales, plus app orders. Drive-thru-only stores show tighter morning peaks.
Weekly franchisor drafts: royalty and advertising fund debits come every Monday; capacity is sized after them.
Supplier drafts: coffee, dairy and packaging orders are read as cost of goods rather than debt.
Existing positions: current loans and advances are counted; a new structure can sometimes lower the combined payment.

## What documents does a Biggby funding review need?

About 3 months of business bank statements as bank-downloaded PDFs
The five-minute application (it opens with a soft credit pull)
Vendor quotes for espresso, brewing, blending or refrigeration equipment
A short list of current advances or loans and their payments
Full financials only if the request is above $250,000
Sole proprietors are eligible, and Merchant Fund Express accepts ITIN applicants.

## A hypothetical Biggby budget scenario

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.
Monthly deposits$62,000
Less payroll, supplies, franchisor, rent, payments$62,000 - $19,000 - $17,000 - $5,580 - $5,500 - $2,200 = $12,720
$28,000 over 36 monthsabout $778/month before cost of funds
Share of what remains$778 / $12,720 = about 6.1%
Figures in this example are illustrations of the arithmetic, not an offer, quote or approval. Real terms depend on the file and the funder.

## What if you are buying or opening a Biggby instead?

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.

## Keep reading

Coffee and beverage franchise funding: how coffee concepts are reviewed
Franchise brands we cover: every brand page in this guide
Franchise seasonal cash flow: covering slow months
Franchise equipment financing: quotes and useful life
Coffee shop slow season funding: winter traffic gaps

## Common questions

### Can a Biggby owner who works in the store apply?

Yes. We read the store's deposits and the owner's credit, starting with a soft credit pull.

### Does a modular or drive-thru-only store get read differently?

The products are the same; drive-thru-only and modular stores often show sharper morning peaks and no lobby tickets.

### Can I finance espresso machines for my Biggby store?

Yes. Equipment financing is reviewed against a vendor quote and the machine's useful life.

### What if I own several Biggby stores?

Each store or entity is read on its own deposits and obligations, so one store's request does not depend on the others.

### Are you affiliated with Biggby Coffee?

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.

Apply with Merchant Fund Express: https://merchantfundexpress.com/current-application.html?utm_source=mfebusinessloans.com&utm_medium=franchise&utm_campaign=franchise-funding&utm_content=biggby-coffee