Franchise funding
For owners whose cash pressure comes from the prep line, catering orders and the timing of digital and delivery payouts.
✓ 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 Jersey Mike's location and need capital? Merchant Fund Express funds existing Jersey Mike'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. The common needs are slicer and oven replacement, catering inventory, and the lag between an online or third-party delivery order and the payout reaching the bank. A first review starts with about three months of statements.
This page is for franchisees who already run a Jersey Mike's shop. The format has no drive-thru model, so the store's money comes through the counter, catering and digital orders. The company names catering as a growth lever, and a large share of its sales arrives through online ordering and delivery apps. That mix shapes how cash moves: card sales settle quickly, but third-party delivery payouts often arrive weekly and in arrears.
Equipment is the other pressure. A sliced-to-order sandwich depends on slicers that run all day and an oven schedule that keeps bread ready. When a slicer motor fails, the line slows at once. The broader sandwich franchise funding guide compares how these needs differ across sub concepts.
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.
If a week of app orders pays out days later, payroll and food orders still go out on time. A line of credit bridges the gap and is repaid as the payouts land.
An office catering run means buying bread, meat and trays up front. Short-term working capital or a line draw sized to the season fits better than a long term loan. See catering inventory funding.
Two slicers and an oven are a defined equipment list with quotes, which is what equipment financing is built around.
Already running a Jersey Mike's location and need capital? Merchant Fund Express funds existing Jersey Mike'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 sandwich franchise guide.
| Need | Product | Published requirement it leans on | What to send |
|---|---|---|---|
| Bridge app payout timing | Business line of credit | Tier 1: 3+ years, FICO 650+, 8+ deposits a month | Statements showing payout dates and amounts |
| Catering season inventory | Working capital | Sized from deposits after existing obligations | Recent catering invoices, statements |
| Slicers, ovens, prep line | Equipment financing | Vendor quote and useful life | Quote with model numbers |
| Shorter history or lower score | Revenue-based financing | Tier 2: 6+ months, FICO 600+, $60K verifiable revenue | Statements, list of current advances |
Note that revenue-based financing is not a loan: it is an advance against future receivables. The full tier list sits on franchise funding requirements.
Merchant Fund Express names the entity first, then reads that entity's account. Where online and app revenue matters, we look at how it arrives:
No tax returns for a typical first review; full financials only above $250,000. Decisions on complete files are same-day.
Picture one store with $58,000 a month in card deposits and $9,600 a month in delivery app payouts that arrive weekly, a week behind. The owner needs two slicers at $5,400 each, an oven replacement at $11,700 and $6,500 of catering inventory for the fall office season.
If the owner draws only the $6,500 catering portion at first and finances the equipment separately, the line cost falls to $65 a month on that draw.
Figures in this example are illustrations of the arithmetic, not an offer, quote or approval. Real terms depend on the file and the funder.
Merchant Fund Express funds stores with operating history. Buying or opening your first shop needs a different path: see buying a franchise and opening a restaurant franchise. An existing owner adding a shop is reviewed on current deposits, one entity at a time.
Yes. Operating stores with business deposits can apply. The application takes about five minutes and begins with a soft credit pull.
Bank statements for the store's entity, delivery app payout summaries if payouts lag, quotes for equipment and recent catering invoices.
Yes. Equipment financing is reviewed with the vendor quote and the equipment's useful life.
Entity by entity. Each store's deposits and obligations are read on their own, so one store's request does not have to involve the others.
No. Merchant Fund Express is independent. We use the Jersey Mike'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 Jersey Mike'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.
