Franchise funding
Written for owner-operators who already run Domino's stores: how a review reads your store, what each product leans on, and what to prepare.
✓ Merchant Fund Express starts with a soft credit pull. Terms depend on your business's revenue and history.
Updated October 21, 2026 · Merchant Fund Express
Already running a Domino's location and need capital? Merchant Fund Express funds existing Domino's owners: business loans, merchant cash advances, revenue-based financing, lines of credit, equipment financing and working capital. Funding runs from $25,000 to $5,000,000. Because the review is built on the store's own bank deposits after royalty, advertising and any existing payments, an owner with a few months of clean statements can apply in about five minutes. A complete file gets a same-day decision.
Domino's franchisees come up internally through store management, so nearly every reader of this page is already an operator. You have run shifts, managed drivers and closed out the cash; what may be new is your entity's bank history as an owner. That history, not your years in the building, is what a funding review measures.
Merchant Fund Express reads the store's business account. If your entity has been depositing for six months or more, revenue-based financing is in range; at three years, the line of credit and term loan tier opens.
Checked Oct 2026 against the franchisor's own published materials. Figures change; confirm current numbers in the latest Franchise Disclosure Document. Figures we could not confirm from an official source are left out.
Ovens and make-line refrigeration are the fourth item; when they fail, repair versus replace helps decide what to ask for.
Already running a Domino's location and need capital? Merchant Fund Express funds existing Domino's owners with every product below. Terms depend on the business's revenue and history.
Compare them side by side in MCA vs business loan, or read the pizza franchise guide.
| Need | Product | Published requirement it leans on | What to send |
|---|---|---|---|
| Driver hours and mileage for a peak season | Business line of credit | Tier 1: 3+ years, FICO 650+, 8+ deposits a month | Statements, payroll register |
| Weekly supply order on a busy week | Working capital | Deposits after royalty and ad fund debits | Statements, supply invoice |
| Oven or walk-in replacement | Equipment financing | Vendor quote and useful life | Quote, statements |
| Owner entity under three years old | Revenue-based financing | Tier 2: 6+ months, FICO 600+, $60K verifiable revenue | Statements, processor reports |
| Delivery vehicle | Equipment financing | Vehicle as the stated purpose, with a quote | Dealer quote, statements |
The store entity is the unit of review. Card settlements, online and app order payouts and cash deposits are read as revenue. Royalty and advertising-fund debits are treated as normal recurring obligations, and the payment a store can carry is sized after them. Existing positions are counted, and a new structure can lower the payment.
Two things weigh heavily on a younger owner file: the minimum daily balance (Tier 2 asks for $800) and negative days or NSFs (Tier 2 allows a maximum of five). A tidy account matters more than a large one.
The franchise document checklist covers edge cases such as a new bank account opened at transfer.
Say a single store deposits an average of $92,000 a month, and the owner expects a stretch of heavy weekends. Extra driver hours are estimated at $7,800, mileage reimbursement at $3,400, and a larger supply order at $6,800: $18,000 in total, spent before the extra sales arrive.
Against $92,000 of monthly deposits, the $18,000 need is about 19.6% of one month. If the entity has three years of history, a line of credit can be drawn for the $18,000 and repaid as sales normalize. If it has 14 months, a revenue-based structure with a hypothetical total repayment of $21,600 over 40 weeks would be $540 a week, about 2.5% of weekly deposits ($92,000 x 12 / 52 = $21,231).
Figures in this example are illustrations of the arithmetic, not an offer, quote or approval. Real terms depend on the file and the funder.
Becoming a franchisee runs through the franchisor's own internal path, and Merchant Fund Express does not fund a store before it operates. If you are taking over an existing store, read franchise transfer financing. If you already own stores and are adding one, the review uses your current stores' deposits, entity by entity; see opening another franchise location.
Yes. If your store entity deposits into a business bank account, you can apply in about five minutes with a soft credit pull. Credit scores from 500 are considered, and 600+ opens better offers.
Three months of business bank statements as bank PDFs, plus quotes for equipment and a list of any current advances. Full financials are usually requested only above $250,000.
Yes. Equipment financing is reviewed with a vendor or dealer quote and the useful life of the item, alongside the store's deposits.
Each store entity is read on its own statements. Name the store that needs the money; each other store is read on its own statements if it applies separately.
No. Merchant Fund Express is independent. We use the Domino's 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 Domino's 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.
