Franchise funding
For operators running delivery-heavy stores, drive-thru formats or a shared Jimmy John's and Dunkin' unit.
✓ 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 Jimmy John's location and need capital? Merchant Fund Express funds existing Jimmy John'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. Delivery is built into the model, so driver payroll, mileage reimbursement and commercial auto insurance shape the cash picture. Drive-thru and co-located Dunkin' formats add their own equipment and accounting questions.
Current Jimmy John's franchisees, including owners of drive-thru units and the shared Jimmy John's and Dunkin' multi-brand format. If you are still evaluating the concept, skip to the last section.
A delivery sandwich shop carries costs that a counter-only store does not. Drivers are paid hourly plus reimbursement for their own vehicles, insurance has to cover the delivery exposure, and policy renewals often ask for a large down payment at once. Bread is baked in the store, so ovens and proofers run on a schedule. The sandwich franchise funding guide covers the sector; this page covers the delivery and format questions.
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.
Already running a Jimmy John's location and need capital? Merchant Fund Express funds existing Jimmy John'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 |
|---|---|---|---|
| Insurance down payment, driver reimbursement | Working capital | Sized from deposits after existing obligations | Renewal notice, payroll summary, statements |
| Short history or a 600-649 score | Revenue-based financing | Tier 2: 6+ months, FICO 600+, max 5 negative days / NSFs | Statements, list of current advances |
| Ovens, proofers, drive-thru hardware | Equipment financing | Vendor quote and useful life | Quotes with install costs |
| Recurring seasonal swings | Business line of credit | Tier 1: 3+ years, FICO 650+, $25K a month revenue | Statements showing the seasonal pattern |
See all published thresholds on franchise funding requirements.
Merchant Fund Express names the entity whose account holds the sales. For a co-located unit, tell us whether both brands deposit into one account or two. If it is one entity, we read combined deposits and subtract both brands' royalty and advertising fund debits as ordinary recurring obligations.
No tax returns for a typical first review. More in franchise funding documents.
Assume a drive-thru store deposits $71,000 a month. The owner faces a $14,000 insurance renewal down payment, an oven and proofer replacement quoted at $17,500, and a $6,500 gap in driver payroll during a slow fortnight.
| Item | Amount |
|---|---|
| Insurance down payment | $14,000 |
| Oven and proofer | $17,500 |
| Driver payroll gap | $6,500 |
| Total | $14,000 + $17,500 + $6,500 = $38,000 |
With revenue-based financing, a sample remittance of $310 a business day over 21 business days is $6,510 a month, about 9.2% of deposits ($6,510 / $71,000). Moving the $17,500 oven to equipment financing shrinks the advance to $20,500 and the daily remittance with it.
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 operating stores, so a first-time purchase or a store with no deposits needs operating history first. Read franchise transfer financing or opening a franchise location. Current owners adding a unit are reviewed on existing stores' deposits, one entity at a time.
Yes. Any operating store with business deposits can be reviewed. Sole proprietors are eligible too, though most franchise stores sit in an LLC.
Bank statements for each entity, plus the insurance renewal, payroll summary or equipment quotes that match the use of funds.
Yes. Equipment financing is reviewed with the vendor quote, useful life and the equipment as the purpose.
Yes, entity by entity. For the shared unit, tell us whether both brands deposit into the same account so both sets of fees are read correctly.
No. Merchant Fund Express is independent. We use the Jimmy John'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 Jimmy John'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.
