Franchise funding
For operators already running a scratch-biscuit, breakfast-to-dinner chicken unit: what to fund, which product fits and how the file is read.
✓ 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
Already running a Bojangles restaurant and need capital? Merchant Fund Express funds existing Bojangles owners with 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 deposits across all three dayparts and size payments after royalty, advertising and food drafts. A complete file gets a same-day decision, and funding often follows the next business day.
Owners of open Bojangles restaurants, from a single freestanding drive-thru to a multi-unit group with an Express unit. The franchisor describes biscuits made from scratch and baked all day in a semi-open kitchen, with breakfast until 2:00 p.m. That means an early crew, ovens running open to close, and fryers carrying lunch and dinner.
This page sits inside our chicken and wings franchise funding guide. For the general restaurant cash cycle, see the restaurant industry page.
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 Bojangles location and need capital? Merchant Fund Express funds existing franchise owners with every product below. Terms depend on the business's revenue and history.
One down oven slows breakfast and every combo after it; a fryer that will not hold temperature hits dinner. Equipment financing on a quote replaces it. See restaurant equipment repair funding.
Bakers clock in before the doors open; card settlements land days later. A line of credit smooths the gap; see restaurant payroll funding.
Store refreshes and menu boards come in planned waves. A term loan spreads the cost; see franchise remodeling.
| Need | Product | Published requirement it leans on | What to send |
|---|---|---|---|
| Replace biscuit ovens or fryers | Equipment financing | Vendor quote and useful life | Quote, 3 months of statements |
| Walk-in cooler or freezer failure | Working capital | Tier 2: 6+ months, FICO 600+, $60K verifiable revenue | Repair invoice, statements |
| Chicken and flour orders when prices rise | Line of credit | Tier 1: 3+ years, FICO 650+, about $25K/month, 8+ deposits | Statements, supplier invoices |
| Drive-thru and dining room refresh | Business loan | Tier 1, applicant owns at least 50% | Contractor bid, statements |
| Second unit opening while the first runs | Revenue-based financing | Tier 2: minimum daily balance $800, up to 2 current advances | Statements for each entity |
Merchant Fund Express offers Spanish-speaking support and accepts ITIN applicants.
Picture a freestanding unit depositing $92,000 a month. Royalty and advertising drafts total $7,800, food and paper distributor drafts $30,000, crew payroll $26,000, rent $8,500 and an existing equipment lease $1,900. The owner wants two fryers and a biscuit oven quoted at $54,000.
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 unit that has not opened needs an operating history before Merchant Fund Express can review it; see buying a franchise. An owner already running Bojangles units who is adding one is read on current deposits, entity by entity; our second location guide covers it. Taking over an open store from another franchisee follows franchise transfer financing.
Yes. Equipment financing is reviewed against a vendor quote and the useful life of the equipment.
No. We read consistency across the week; a morning-heavy unit is fine when deposits arrive steadily.
Each entity is read on its own deposits, royalty drafts and existing payments. A request can cover one store or several.
Usually not. Merchant Fund Express starts with about 3 months of bank statements and the short application, with full financials only above $250,000.
No. Merchant Fund Express is independent. We use the Bojangles 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 Bojangles 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.
