Franchise funding
For operators already running Whopper kitchens and drive-thru lanes: what to fund 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 Burger King and need capital? Merchant Fund Express funds existing Burger King franchisees 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 each restaurant's card deposits after the royalty and advertising drafts, any rent paid to the franchisor and the payments you already carry. A complete file gets a same-day decision, and funding often follows the next business day.
Franchisees with open, depositing restaurants, whether built, bought from a selling franchisee or picked up as the franchisor refranchises units. Most operators run several restaurants in separate entities. The kitchen centers on the flame broiler, fryers and holding cabinets, and most sales move through the drive-thru.
For the wider picture, read the burger franchise funding sector guide and our 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 Burger King location and need capital? Merchant Fund Express funds existing franchise owners with every product below. Terms depend on the business's revenue and history.
A broiler failure stops the core menu. Equipment financing on a quote replaces it; working capital covers the repair meanwhile. See restaurant equipment repair funding.
The franchisor is investing in remodels and restaurant technology, but the operator still carries a share of the cost and downtime. See franchise remodeling funding.
Operators leasing from the franchisor pay rent on top of royalty and advertising. A line of credit keeps payroll on time; see restaurant payroll funding.
| Need | Product | Published requirement it leans on | What to send |
|---|---|---|---|
| Broiler, fryers or holding cabinets | Equipment financing | Vendor quote and useful life | Quote, 3 months of statements |
| Drive-thru order screens and timers | Equipment financing or term loan | Quote; Tier 1 for the term loan: 3+ years, FICO 650+ | Quote, statements |
| Crew payroll in a slow month | Working capital | Tier 2: 6+ months, FICO 600+, $60K verifiable revenue | Statements, payroll summary |
| Food and paper orders, insurance | Line of credit | Tier 1: about $25K/month revenue, 8+ deposits a month | Statements, debt schedule |
| One weaker unit in a group | Revenue-based financing for that entity | Tier 2: $800 minimum daily balance, up to 2 current advances | Statements per entity |
Merchant Fund Express accepts ITIN applicants and offers Spanish-speaking support.
Picture one restaurant depositing $140,000 a month, with food and paper at $42,000, payroll $40,000, royalty and advertising $12,600, rent $11,000 and existing payments $3,200. The owner wants a broiler and holding cabinet quoted at $72,000.
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 restaurant that has not opened, or a buyer with no deposits, needs an operating history before Merchant Fund Express can review it; see buying a franchise. Operators adding restaurants are read on current deposits. Taking over restaurants follows franchise transfer financing, and adding a unit is covered on second location funding.
Yes. Each entity is read on its own deposits, so a request can cover one restaurant or several.
Yes, against a vendor quote and the equipment's useful life. Broilers suit longer terms than screens.
No. Rent, royalty and advertising drafts are normal for the brand; we size payments after them.
About three months of statements per entity, the short application and any equipment quotes.
No. Merchant Fund Express is independent. We use the Burger King 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 Burger King 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.
