# Bojangles Franchise Funding for Existing Owners

> Funding for existing Bojangles franchise owners: fryers, biscuit-line ovens, breakfast-heavy payroll and store refreshes, sized from unit deposits.

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

## The short answer

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.

## Who is this page for?

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.

## What the franchisor publishes

Bojangles: facts from official sources
Initial franchise fee: $35,000 per location (franchisor publishes a 50% reduction for veteran, women and minority candidates) (source)
Total initial investment: $2,851,880 to $3,951,200 traditional freestanding; $780,780 to $1,858,700 Express (FDD dated April 20, 2026) (source)
Liquid assets / net worth asked of new franchisees: $1,000,000 liquid / $2,500,000 net worth, per location (source)
Locations: 860+ locations in 20 states (as stated by the franchisor, undated page checked Oct 2026) (source)
Published formats: Traditional freestanding and Bojangles Express; drive-thru, dine-in and order-ahead (source)
US franchising status: Actively franchising in the US, recruiting multi-unit operators (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 Bojangles location

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.
Franchise business loan: a term loan fits a planned drive-thru or dining room refresh with a fixed payment you can budget around.
Merchant cash advance: repayment follows card sales, so a slower week after a breakfast promotion ends takes a smaller share.
Revenue-based financing: sized from three dayparts of deposits, which suits a unit whose mornings carry the week.
Business line of credit: draw for chicken, flour and buttermilk orders when supplier prices move, and repay as sales come back.
Equipment financing: fryers, biscuit ovens, holding cabinets and drive-thru timers, reviewed against a vendor quote.
Working capital: covers the early-morning crew hours and a repair bill in the same month without touching the food budget.

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

A biscuit oven or fryer bank fails
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.
Breakfast payroll before the deposits settle
Bakers clock in before the doors open; card settlements land days later. A line of credit smooths the gap; see restaurant payroll funding.
Remodel or drive-thru upgrade on a set schedule
Store refreshes and menu boards come in planned waves. A term loan spreads the cost; see franchise remodeling.

## Which product fits which Bojangles need?

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 |

## How does the review read a Bojangles restaurant?

Entity. The LLC on the franchise agreement and the account its card settlements land in.
Deposit pattern. Daily card batches heaviest at breakfast, with a second bump at lunch.
Royalty and advertising drafts. Read as recurring costs, like rent; see royalty debits in a funding file.
Food distributor drafts. Chicken, flour, dairy and paper goods, read as cost of goods, not debt.
Existing positions. Current advances and equipment leases are counted. A new structure can sometimes lower the combined payment; see existing positions.

## What should a Bojangles owner send?

About 3 months of business bank statements, downloaded as PDFs, for each restaurant entity
The five-minute application, which starts with a soft credit pull
A vendor quote for ovens, fryers, holding cabinets or refrigeration
A list of current advances and leases with payment amounts
Full financials only when the request is above $250,000
Merchant Fund Express offers Spanish-speaking support and accepts ITIN applicants.

## A hypothetical Bojangles budget scenario

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.
Monthly deposits$92,000
Less royalty/ad, food, payroll, rent, lease$92,000 - $7,800 - $30,000 - $26,000 - $8,500 - $1,900 = $17,800
$54,000 over 48 monthsabout $1,125/month before cost of funds
Share of what remains$1,125 / $17,800 = about 6.3%
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 Bojangles instead?

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.

## Keep reading

Chicken and wings franchise funding: how chicken concepts are reviewed
Franchise brands we cover: every brand page in this guide
Franchise equipment financing: quotes and useful life for kitchen equipment
Restaurant payroll funding: covering early crew hours ahead of settlements
Franchise remodeling: planning a required refresh

## Common questions

### Can I finance biscuit ovens and fryers for my Bojangles?

Yes. Equipment financing is reviewed against a vendor quote and the useful life of the equipment.

### Does a breakfast-heavy deposit pattern hurt the review?

No. We read consistency across the week; a morning-heavy unit is fine when deposits arrive steadily.

### What if I run several Bojangles units in separate LLCs?

Each entity is read on its own deposits, royalty drafts and existing payments. A request can cover one store or several.

### Do I need tax returns for a first review?

Usually not. Merchant Fund Express starts with about 3 months of bank statements and the short application, with full financials only above $250,000.

### Are you affiliated with Bojangles?

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.

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