Franchise funding
For operators of open bakeries in malls, airports, travel plazas and street sites.
✓ 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
Merchant Fund Express funds existing Cinnabon 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. A Cinnabon lives on foot traffic, so we read deposit rhythm against the venue (mall, airport concourse, travel plaza or street site), then count the franchisor drafts and the lease. Send a complete file for a same-day decision; funding often follows the next business day.
Owners of operating Cinnabon bakeries with a business bank account. The franchisor publishes three ways to build: a full bakery, a kiosk bakery and an inline/mall unit, with a Carvel co-brand option. GoTo Foods places the brand primarily in malls, airports, train stations and travel plazas. Rolls are baked on site all day, so ovens, proofers and the display case set peak-hour capacity.
Start with the dessert and bakery franchise sector guide and the bakery 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 Cinnabon 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 failed oven or proofer has no backup. Equipment financing on a quote replaces it; see bakery equipment repair funding for the repair-or-replace decision.
Concourse changes and anchor closures move foot traffic overnight. Revenue-based financing sized on recent deposits gives room to adjust.
A larger footprint or renewal standard is a one-time cost with a long payback. A term loan matches it; read franchise remodeling funding.
| Need | Product | Published requirement it leans on | What to send |
|---|---|---|---|
| Oven, proofer or mixer replacement | Equipment financing | Vendor quote and useful life | Quote, 3 months of statements |
| Inline or full-bakery buildout at renewal | Business loan | Tier 1: 3+ years, FICO 650+, applicant owns at least 50% | Contractor bid, lease terms, statements |
| Supplies and crew for travel peaks | Line of credit | Tier 1: about $25,000/month revenue, 8+ deposits a month | Statements, supplier invoices |
| Venue traffic drop or quiet season | Working capital | Tier 2: 6+ months, FICO 600+, $60,000 verifiable revenue | Statements, debt schedule |
| Airport or plaza unit with variable volume | Revenue-based financing | Tier 2: minimum daily balance $800, up to 2 current advances | Statements per entity |
Tax returns are not part of a typical first review, and full financials are requested only above $250,000. ITIN applicants are accepted.
Suppose a travel plaza bakery deposits $61,000 a month. Royalty and marketing drafts are $5,500, rent is $9,400, and existing payments are $2,100. The owner wants to replace the oven, add a second proofer and update the display case, quoted at $45,000.
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 bakery that has not opened needs an operating history before Merchant Fund Express can review it; see opening a bakery franchise and buying a franchise. Existing Cinnabon operators adding another venue are read on current deposits; see second location funding. An operating bakery changing hands follows franchise transfer financing.
Send the agreement with the file. We read the entity whose account receives the deposits.
Yes. Equipment financing is reviewed against a vendor quote and useful life.
The review still reads one set of deposits and every franchisor draft that comes out of that account. Send statements for the account both brands deposit into.
Each entity is reviewed on its own deposits and lease; a request can cover one bakery or several.
No. Merchant Fund Express is independent. We use the Cinnabon 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 Cinnabon 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.
