Franchise funding
For owners of in-line, kiosk and campus bubble tea stores: tea brewing, sealing, tapioca and the review behind each request.
✓ 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 Gong cha store and need capital? Merchant Fund Express funds existing Gong cha 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. We read your deposits after weekly franchisor drafts and the proprietary tea and tapioca orders. A complete file gets a same-day decision, and funding often follows the next business day.
Owners of open Gong cha bubble tea stores, most often in-line units in strip or shopping malls, plus kiosks, campus stores and combination stores shared with another brand. There is no fryer or grease trap; instead each store runs an intelligent beverage maker synced to ordering kiosks, tea brewers with refresh timers, cup sealers and tapioca cooking, and buys proprietary tea and tapioca ingredients from the franchisor's supply affiliate.
Read it with the coffee and beverage franchise sector guide and our coffee and beverage shop 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 Gong cha location and need capital? Merchant Fund Express funds existing franchise owners with every product below. Terms depend on the business's revenue and history.
When the beverage maker, a tea brewer or a cup sealer fails, kiosk orders back up; equipment financing on a quote replaces it without draining inventory cash.
Tea is brewed on refresh timers and tapioca is prepared through the day, so stores order proprietary ingredients steadily; summer volume raises orders first; see inventory funding.
Campus stores slow during breaks and mall stores follow foot traffic, while rent and staff stay. A slow season cushion covers the gap.
| Need | Product | Published requirement it leans on | What to send |
|---|---|---|---|
| Beverage maker or sealer replacement | Equipment financing | Vendor quote and useful life | Quote, 3 months of statements |
| Summer tea and tapioca orders | Line of credit | Tier 1: 3+ years, FICO 650+, 8+ deposits a month | Statements, supplier invoices |
| Semester-break payroll | Revenue-based financing | Tier 2: $800 minimum daily balance, up to 2 current advances | Statements |
| Refrigeration repair | Working capital | Tier 2: 6+ months, FICO 600+, $60K verifiable revenue | Repair invoice, statements |
| Remodel or added ordering kiosk | Business loan | Tier 1: about $25K/month revenue, applicant owns 50%+ | Quote, statements |
Merchant Fund Express accepts ITIN applicants and offers Spanish-speaking support.
Say an in-line store deposits $58,000 a month. Payroll is $16,000, tea, tapioca, milk and cups $15,000, franchisor drafts $4,060, rent $7,400 and existing payments $1,500. The owner wants a second sealer and a new tea brewing station quoted at $18,000.
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 store that has not opened has no deposits to read, so it needs operating history first. Owners adding a store under an area development agreement are read on their open stores; see second location funding. Buying an operating store follows franchise transfer financing.
Yes. Equipment financing is reviewed against a vendor quote and the machine's useful life.
A break shows in the statements and is read in context; revenue-based financing often fits.
No. Proprietary tea and tapioca orders are cost of goods, like any supplier.
We read the entity that receives the deposits. Separate POS systems help show each brand's sales clearly.
No. Merchant Fund Express is independent. We use the Gong cha 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 Gong cha 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.
