Franchise funding
For owners of traditional, non-traditional and dual-concept bubble tea shops: the needs we see and how monthly drafts are read.
✓ 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 Kung Fu Tea owners: 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 monthly royalty and marketing drafts and the tea, cup and packaging orders bought through the franchisor's affiliate. A complete file gets a same-day decision, and funding often arrives the next business day.
Owners of open Kung Fu Tea shops: traditional storefronts, non-traditional units in airports, campuses, malls, stadiums and transit stations, and dual-concept shops paired with TKK Fried Chicken or Yasubee Ramen. Shops open year round. Branded equipment and the tea, coffee, concentrates, cups and packaging are bought from an affiliate, with fresh fruit and some disposables sourced elsewhere.
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 Kung Fu Tea location and need capital? Merchant Fund Express funds existing franchise owners with every product below. Terms depend on the business's revenue and history.
Tea, coffee, cups and packaging come through the affiliate, and monthly orders climb as volume grows. A line of credit keeps a busy shop stocked; see inventory funding.
Tea brewers, cup sealers and ice machines keep the line moving, and a failed sealer stops service; equipment financing on a quote replaces it.
Pairing a shop with a fried chicken or ramen concept adds kitchen equipment and staff before the new sales arrive. A term loan sized from current deposits fits a planned project like this.
| Need | Product | Published requirement it leans on | What to send |
|---|---|---|---|
| Sealer, brewer or ice machine | Equipment financing | Vendor quote and useful life | Quote, 3 months of statements |
| Affiliate tea and cup orders | Line of credit | Tier 1: 3+ years, FICO 650+, 8+ deposits a month | Statements, supplier invoices |
| Dual-concept build-in | Business loan | Tier 1: about $25K/month revenue, applicant owns 50%+ | Quotes, statements |
| Slow campus or transit months | Revenue-based financing | Tier 2: $800 minimum daily balance, up to 2 current advances | Statements |
| Staffing or repair gap | Working capital | Tier 2: 6+ months, FICO 600+, $60K verifiable revenue | Statements, invoice |
Sole proprietors are eligible, and Merchant Fund Express offers Spanish-speaking support.
Picture a storefront depositing $52,000 a month. Payroll is $14,500, tea, cups and other supplies $13,000, monthly franchisor drafts $3,120, rent $6,900 and existing payments $1,500. The owner wants two sealers and an ice machine quoted at $15,000.
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 shop that has not opened has no deposits, so it needs operating history before Merchant Fund Express can review it. Owners adding a shop are read on their current shops' deposits; see second location funding. Buying an open shop follows franchise transfer financing.
Yes. Equipment financing is reviewed against a vendor quote and the equipment's useful life.
Yes, once they settle into the business account. Their promotions fee is read with the other recurring drafts.
Yes. We read the entity that receives the deposits, including both concepts' sales.
Each shop or entity is read on its own deposits and drafts, so a request can cover one or several.
No. Merchant Fund Express is independent. We use the Kung Fu Tea 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 Kung Fu Tea 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.
