Franchise funding
For owners already running Marco's Pizza stores, especially those with more stores committed: how funding is sized per store and what to prepare.
✓ 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 Marco's Pizza location and need capital? Merchant Fund Express funds existing Marco's Pizza 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. Each store entity is read on its own bank deposits, after royalty, marketing and existing payments, so a request can protect the operating stores while you build the next one. A complete file with about three months of statements gets a same-day decision.
Marco's asks new franchisees for more liquidity with each store they commit to, so owners who sign for several stores tend to hold a lot of cash in reserve. This page is for operators who already have at least one store open and depositing, and who want funding for that store's needs without spending the reserve set aside for the next opening.
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.
Liquidity committed to development is not cash you want to spend on a cooler repair. Working capital for an operating store keeps that reserve intact, sized on the operating store's own deposits.
When a store's early statements carry reduced royalty debits that later step up to the standard rate, its cash flow looks stronger than it will be. We size on the standard-rate picture, and you should too.
Oven decks, make tables, heated bags and drivers all scale with volume. Equipment financing handles the hardware; a line of credit or working capital covers driver wages and mileage as delivery zones grow.
Ingredient buying is the steady fourth cost: cheese and meat prices move, and a store that buys ahead when prices dip needs cash on hand to do it.
Already running a Marco's Pizza location and need capital? Merchant Fund Express funds existing Marco's Pizza 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 pizza franchise guide.
| Need | Product | Published requirement it leans on | What to send |
|---|---|---|---|
| Keep development reserve untouched | Working capital | Operating store deposits after royalty, marketing and existing payments | Statements for the operating store entity |
| Oven or make-table for an open store | Equipment financing | Vendor quote and useful life | Quote, statements |
| Recurring access for food buys and drivers | Business line of credit | Tier 1: 3+ years, FICO 650+, average balance $5K or 10% of monthly revenue | Statements, debt schedule |
| Store open 6 to 36 months | Revenue-based financing | Tier 2: 6+ months, $60K verifiable revenue, up to 2 current advances | Statements, processor reports |
See funding for multi-location businesses for how several entities sit in one conversation.
A two-store owner has Store 1 (three years open) depositing $68,000 a month and Store 2 (eight months open) depositing $49,000. Store 2 is still in a reduced-royalty period. Suppose the step-up to the standard rate will add $2,400 a month in debits once it ends. The owner wants $30,000 of working capital for Store 2 and $22,000 for a second oven at Store 1.
Store 2's monthly cash after debits today might be $6,100; adjusted for the step-up it is $6,100 - $2,400 = $3,700. A payment on Store 2 should fit inside that $3,700, not the $6,100. Store 1's oven, financed separately, is sized on Store 1's $68,000 alone, leaving the development reserve untouched.
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 does not fund a store before it has deposits. A first franchise purchase belongs in buying a franchise; adding a store when you already operate is covered in multi-unit franchise funding, where the review rests on your open stores' deposits, entity by entity.
Yes, once a store is open and depositing to a business account. The application takes about five minutes and begins with a soft credit pull.
About three months of business bank statements for each store involved, a store and ownership list, equipment quotes, and a schedule of current payments. Tax returns are not needed for a typical first review.
Yes. Equipment financing is reviewed with the vendor quote, the useful life and the operating store's deposits.
Yes. Requests are tied to the operating store entities and their deposits. Stores not yet open are not part of the sizing.
No. Merchant Fund Express is independent. We use the Marco's Pizza 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 Marco's Pizza 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.
