Franchise funding
For operators of open cookie bakeries with a weekly rotating menu.
✓ 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 Crumbl bakery and need capital? Merchant Fund Express funds existing Crumbl owners: 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 in-store card sales and app, delivery and catering settlements together, then subtract franchisor drafts, ingredients and crew payroll before sizing a payment. A complete file gets a same-day decision, and funding often lands the next business day.
Owners of operating Crumbl bakeries with deposits in a business account. Crumbl Franchising, LLC is still offering franchises in the US and Canada, and its franchising page also lists operational stores for sale, so the owner base includes original franchisees and second owners. The model is distinct: a weekly rotating menu, an open-concept kitchen where customers watch the baking, and ordering spread across walk-in, pickup, delivery, catering and gifting through the Crumbl app. That means real kitchen equipment, a large crew and weekly-changing ingredient orders.
The dessert franchise sector guide covers the category; our bakery industry page explains how production bakeries move cash.
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 Crumbl location and need capital? Merchant Fund Express funds existing franchise owners with every product below. Terms depend on the business's revenue and history.
Every cookie is mixed and baked in the open kitchen, so a down oven or mixer cuts output on the busiest days of the weekly cycle. Equipment financing on a vendor quote replaces it; see bakery equipment repair funding.
Bakers, boxers and delivery drivers are scheduled around launch days and catering orders. Payroll leaves before app and delivery settlements arrive; bakery payroll funding and a line of credit handle the timing.
Large boxed orders need ingredients, packaging and hours up front. Working capital covers it; see large catering order funding.
| Need | Product | Published requirement it leans on | What to send |
|---|---|---|---|
| Oven, mixer or cooler replacement | Equipment financing | Vendor quote and useful life | Quote, 3 months of statements |
| Weekly ingredients and packaging | Line of credit | Tier 1: 3+ years, FICO 650+, about $25,000/month revenue | Statements, supplier invoices |
| Payroll ahead of app settlements | Working capital | Tier 2: 6+ months, FICO 600+, $60,000 verifiable revenue | Statements, payroll register |
| Kitchen expansion or refresh | Business loan | Tier 1: 8+ deposits a month, applicant owns at least 50% | Contractor bid, statements |
| Uneven weeks across menu rotations | Revenue-based financing | Tier 2: minimum daily balance $800, up to 2 current advances | Statements per entity |
Full financials are needed only above $250,000. Spanish-speaking support is available, and ITIN applicants are accepted.
Consider a bakery depositing $95,000 a month across in-store, app and catering sales. Franchisor drafts are $9,800, rent is $8,200, and existing payments are $4,000. The owner wants a second oven bank and two mixers, quoted at $58,000.
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 still under construction has no deposits, so it needs an operating history before Merchant Fund Express can review it; see buying a franchise. Because Crumbl lists operational stores for sale, some owners take over a running bakery; that path is covered on franchise transfer financing. Current owners opening another bakery are read on existing deposits; see second location funding.
Yes. Settlements that land in the business account are read with in-store card sales. Statements that show the full mix give the most accurate result.
Yes. Equipment financing is reviewed against a vendor quote and useful life, with the equipment as the stated purpose.
Rarely. We read about three months of deposits and size payments to the pattern.
Yes, once the bakery is operating under your entity with deposits in your account. Six months of history meets the Tier 2 minimum; longer history opens Tier 1 products.
No. Merchant Fund Express is independent. We use the Crumbl 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 Crumbl 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.
