Franchise funding
Built for multi-unit operators who keep the lights on around the clock.
✓ 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 Jack in the Box franchisees: business loans, merchant cash advances, revenue-based financing, lines of credit, equipment financing and working capital, from $25,000 to $5,000,000. Many franchised sites pay rent to the franchisor on top of royalty and marketing, so we size the payment after all three and after overnight payroll. A complete file gets a same-day decision, and funding often follows the next business day.
Franchisees already operating Jack in the Box restaurants, usually multi-unit groups; the franchisor says the average franchisee owns more than 15 units. The brand runs five dayparts with 24/7 operations and a menu of burgers, tacos, egg rolls, curly fries, chicken and all-day breakfast. That means three shifts of crew and equipment that rarely cools down.
The 10-K describes a compact prototype with a Y-lane drive-thru, walk-up window, dual assembly kitchens and a pick-up window for mobile and delivery orders. See the burger franchise sector guide and our restaurant 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 Jack in the Box location and need capital? Merchant Fund Express funds existing franchise owners with every product below. Terms depend on the business's revenue and history.
Three shifts mean more labor hours, paid ahead of settlements. A restaurant line of credit smooths that cycle.
Fryers for curly fries and egg rolls, grills and holding cabinets run around the clock and wear faster. Equipment financing replaces them without draining the food budget.
Order screens, pick-up windows and lane changes add up across a 15-store group; see franchise remodeling funding.
| Need | Product | Published requirement it leans on | What to send |
|---|---|---|---|
| Fryer battery or grill | Equipment financing | Vendor quote, useful life | Quote, 3 months of statements |
| Overnight crew payroll gap | Line of credit | Tier 1: 3+ years, FICO 650+, NSFs max 6/month | Statements, payroll register |
| Remodel or lane work | Business loan | Tier 1, applicant owns at least 50% | Contractor bid, statements |
| Urgent HVAC or walk-in repair | Working capital | Tier 2: 6+ months, FICO 600+, $60K verifiable revenue | Repair invoice, statements |
| Uneven stores inside a group | Revenue-based financing | Tier 2: up to 2 current advances | Statements per entity |
Spanish-speaking support is available.
Take a 24/7 restaurant depositing $165,000 a month. Food and packaging run $48,000, payroll $50,000, rent plus franchisor drafts $28,000 and existing payments $6,000. The owner wants a fryer and grill package quoted at $72,000.
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 needs operating history before Merchant Fund Express can read it; see opening a restaurant franchise. A franchisee adding a unit is read on existing deposits (second-location funding); buying an operating store follows franchise transfer financing.
We expect more labor and late-night deposits, and we read that real pattern, so round-the-clock sales count fully.
Yes. Each entity is read on its own; a request can cover one LLC or several.
Yes, against a vendor quote. Shorter-life tech usually suits a shorter term than fryers or grills.
It is read like any lease, and capacity is sized after it.
No. Merchant Fund Express is independent. We use the Jack in the Box 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 Jack in the Box 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.
