Franchise funding
A reference for operators already running a drive-thru coffee and donut unit: what to fund, which product fits, and what the review reads.
✓ 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 Dunkin' location and need capital? Merchant Fund Express funds existing Dunkin' 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. The size comes from the unit's own bank deposits after royalty, advertising fund and existing payments are counted. A complete file gets a same-day decision, and funding often lands the next business day.
Owners and operating partners who already run one or more open Dunkin' units with deposits flowing through a business bank account. The review is built around a working store: morning traffic, drive-thru lanes, a beverage-heavy menu and the equipment that keeps all of it moving. If you are still evaluating the brand or have not opened yet, skip to the last section; Merchant Fund Express funds operating businesses, and a pre-opening file has no deposit history to read.
Coffee concepts sit close to our coffee shop industry guide, which covers the general cash cycle. This page narrows it to a franchised, drive-thru-centric unit with recurring franchisor debits.
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.
A single failed espresso machine or brewing line can slow the drive-thru when most of the day's tickets arrive. Equipment financing tied to a vendor quote spreads the replacement over the machine's useful life; short working capital covers a repair bill while the quote is pending.
Dairy, iced-drink inputs and frozen product depend on reach-ins and walk-ins. A compressor failure is urgent and the cost is lumpy. See our page on emergency commercial refrigeration funding for the repair-or-replace math.
Seasonal beverage launches mean larger supply orders and more crew hours before the extra sales arrive. A business line of credit fits a gap that opens and closes several times a year.
Already running a Dunkin' location and need capital? Merchant Fund Express funds existing Dunkin' 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 coffee and beverage franchise guide.
| Need | Product | Published requirement it leans on | What to send |
|---|---|---|---|
| Replace espresso machines or brewers | Equipment financing | Vendor quote, useful life, equipment as the purpose | Quote, 3 months of statements |
| Walk-in or reach-in compressor failure | Working capital | Tier 2: 6+ months in business, FICO 600+, $60K verifiable revenue | Repair invoice, statements |
| Seasonal inventory and crew hours | Line of credit | Tier 1: 3+ years, FICO 650+, $25K/month revenue with 8+ deposits | Statements, debt schedule |
| Drive-thru menu board or lane hardware | Term loan or equipment financing | Tier 1 for the term loan; quote-based for equipment | Quote, statements |
| Several units with uneven deposits | Revenue-based financing per entity | Tier 2 minimum daily balance $800, up to 2 current advances | Statements for each entity |
Tax returns are not part of a typical first review. Merchant Fund Express accepts ITIN applicants and offers Spanish-speaking support.
Imagine a single drive-thru unit with $68,000 in monthly deposits. Its royalty and advertising fund drafts total $7,400, rent is $6,200, existing payments are $3,100, and the owner wants to replace two brewers and a reach-in cooler quoted at $41,000.
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 first unit has no deposit history, so it needs an operating record before Merchant Fund Express can review it. Read opening a coffee shop franchise or buying a franchise for the route. An existing owner adding another unit is different: we read the current units' deposits entity by entity. Taking over a store from another franchisee is covered on franchise transfer financing.
Yes, if the unit is open and operating with business deposits. Sole proprietors are eligible, and all 50 states are served. Merchant Fund Express starts with a soft credit pull.
About 3 months of business bank statements in PDF form, the short application, and quotes for any equipment. Full financials usually come in only above $250,000.
Yes. Equipment financing is reviewed against a vendor quote and the useful life of the machine, with the equipment as the stated purpose.
Each entity is read on its own deposits and obligations. A multi-unit group can request funding for one store or several, and the strongest units do not hide a weak one.
No. Merchant Fund Express is independent. We use the Dunkin' 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 Dunkin' 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.
