Franchise funding
A limited-menu, hand-battered chicken model with drive-thru at its core: fryers, holding, chicken orders and crews.
✓ 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
If you already run a Church's Texas Chicken restaurant, 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. The review reads fryer needs, chicken supplier drafts and the royalty and marketing fees. A complete file gets an answer the same day, and money often arrives the next business day.
Franchisees with open Church's Texas Chicken restaurants, whether a freestanding Blaze unit, a conversion of another restaurant building or an end cap. The franchisor describes chicken hand-battered and prepared fresh in small batches throughout the day, Honey-Butter Biscuits, homestyle sides and a limited menu built for operational simplicity, with a drive-thru expected. That puts fryers, breading stations and holding equipment at the center of the kitchen.
The chicken and wings franchise funding guide covers the sector, and the restaurant industry page covers the broader cash cycle.
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 Church's Texas Chicken location and need capital? Merchant Fund Express funds existing franchise owners with every product below. Terms depend on the business's revenue and history.
Small-batch, all-day frying means a down fryer slows every order in the lane. Replacing a fryer bank on a quote with equipment financing protects the operating account; restaurant equipment financing explains terms.
A limited menu concentrates spending on chicken and cooking oil. When supplier prices jump, a line of credit lets the owner keep full orders without a cash squeeze.
A conversion or design update is a one-time project with a contractor bid. A term loan spreads it.
| Need | Product | Published requirement it leans on | What to send |
|---|---|---|---|
| Fryer bank or holding cabinet | Equipment financing | Vendor quote and useful life | Quote, 3 months of statements |
| Bulk chicken and oil purchase | Line of credit | Tier 1: 3+ years, FICO 650+, 8+ deposits a month | Statements, supplier invoices |
| Crew payroll in a slow month | Working capital | Tier 2: 6+ months, FICO 600+, $60K verifiable revenue | Statements, payroll register |
| Conversion or design update | Business loan | Tier 1, applicant owns at least 50% | Contractor bid, statements |
| Multi-unit group adding a store | Revenue-based financing | Tier 2: minimum daily balance $800, up to 2 current advances | Statements per entity |
Spanish-speaking support is available, and ITIN applicants are accepted.
Consider a Blaze unit depositing $70,000 a month. Royalty and marketing fee drafts total $7,000, chicken, oil and paper $23,000, payroll $19,500, rent $6,800 and an existing advance $4,200. The owner wants a new fryer bank and holding cabinet quoted at $42,000.
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 needs an operating history before Merchant Fund Express can review it; see opening a restaurant franchise. Owners already operating Church's Texas Chicken units who are meeting a development schedule are read on current deposits; our second location guide applies. Buying an operating restaurant from another franchisee follows franchise transfer financing.
Yes. Fryers, breading stations and holding cabinets are financed against a vendor quote and the equipment's useful life.
We read the drafts that actually leave your account; plan for the higher fee when choosing a payment size.
Each entity is read on its own deposits, fees and existing payments. One request can cover several restaurants.
Yes, once the payouts land in the business account.
No. Merchant Fund Express is independent. We use the Church's Texas Chicken 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 Church's Texas Chicken 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.
