Franchise funding
A fast-casual, made-from-scratch model with no fryer line at its center: cold prep, refrigeration and lunch-rush labor.
✓ 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 operating a Chicken Salad Chick and looking for capital? Merchant Fund Express funds existing 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. Chicken salad is made fresh daily, so we read refrigeration, prep labor and weekly food drafts, and size payments after royalty and advertising. Send a complete file for a same-day decision; funding often arrives the next business day.
Franchisees with an open Chicken Salad Chick, with or without a drive-thru, and area developers running several units. The brand describes itself as a fast-casual, made-from-scratch chicken salad concept with more than a dozen flavors made daily, along with sandwiches, sides, soups and hand-frosted cakes. That model leans on cold storage, prep tables and a lunch crowd buying quarts and trays.
See the chicken and wings franchise funding guide for the sector, and our restaurant industry page for how food businesses are reviewed in general.
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 Chicken Salad Chick 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 scratch-made cold menu depends on walk-ins and reach-ins holding temperature. A compressor failure is urgent and the bill arrives at once; see emergency commercial refrigeration funding.
Every flavor is made fresh daily, so prep hours come before the first ticket. A line of credit covers payroll while card batches settle.
Large party orders mean bigger protein and bakery purchases ahead of pickup. Short working capital matches that cycle; our restaurant inventory funding page explains the math.
| Need | Product | Published requirement it leans on | What to send |
|---|---|---|---|
| Walk-in or reach-in replacement | Equipment financing | Vendor quote and useful life | Quote, 3 months of statements |
| Compressor repair this week | Working capital | Tier 2: 6+ months, FICO 600+, $60K verifiable revenue | Repair invoice, statements |
| Catering season supplies | Line of credit | Tier 1: 3+ years, FICO 650+, about $25K/month revenue | Statements, supplier invoices |
| Drive-thru addition or remodel | Business loan | Tier 1, NSFs max 6 a month | Contractor bid, statements |
| Area developer opening the next unit | Revenue-based financing | Tier 2: minimum daily balance $800, up to 2 current advances | Statements per entity |
Sole proprietors are eligible, and Merchant Fund Express accepts ITIN applicants.
Suppose a unit with a drive-thru deposits $78,000 a month. Royalty and advertising drafts are $6,200, food and bakery suppliers $24,000, payroll $21,000, rent $7,400 and an existing advance $3,200. The owner needs a new walk-in cooler and two reach-ins quoted at $38,000.
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 is not yet open needs an operating history first; Merchant Fund Express funds running businesses with deposits to read. Buying a franchise walks through that path. An owner or area developer adding a unit is read on the current restaurants' deposits; our second location page covers it. Taking over an open restaurant follows franchise transfer financing.
Yes. Refrigeration and prep equipment are reviewed against a vendor quote and useful life.
No. We read steadiness: many deposits a month and a stable balance.
Yes. Each entity is read on its own deposits and drafts, and one request can cover several restaurants.
Yes, when it lands in the business account as card or ACH deposits.
No. Merchant Fund Express is independent. We use the Chicken Salad Chick 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 Chicken Salad Chick 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.
