# Marco's Pizza Franchise Funding for Existing Owners

> Funding for existing Marco's Pizza owners: protecting store cash during multi-store commitments, sizing young stores, ovens, delivery and ingredient buys.

Source: https://mfebusinessloans.com/franchise-funding/brands/marcos-pizza/ (Merchant Fund Express, updated 2026-10-21)

## The short answer

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.

## Who is this page for?

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.

## What the franchisor publishes

Marco's Pizza: facts from official sources
Franchise fee: $25,000 (source)
Royalty: 5.5% (source)
Marketing fee: 7% (source)
Liquid capital / net worth asked of new franchisees: One store $200,000 / $600,000; two stores $300,000 / $900,000; three stores $400,000 / $1,200,000 (source)
Multi-unit royalty incentive: 0% royalty for the first six months after each store opens, reduced through month 18 (source)
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.

## What problems come up for Marco's operators?

Reserves held for the next store
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.
A young store's early months
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.
Ovens and the delivery side
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.

## Every way to fund your Marco's Pizza location

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.
Business loan: a term loan with weekly payments for a planned project at your Marco's Pizza location, such as a refresh or a bundle of equipment.
Merchant cash advance: fast capital sized on card sales for an urgent need.
Revenue-based financing: payments sized to revenue, so slower weeks carry a smaller payment.
Line of credit: draw $10,000 or more when timing is tight and pay only on what you use.
Equipment financing: conveyor ovens, walk-ins and make-tables.
Working capital: payroll and food cost while a younger store builds volume.
Compare them side by side in MCA vs business loan, or read the pizza franchise guide.

## Which product fits a Marco's need?

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 |

## How does Merchant Fund Express read a Marco's store?

Per entity. Each store's LLC is reviewed on its own account; a development entity with no sales is not the borrower of record for an operating-store request.
Deposits by store. Card, delivery app and cash deposits; transfers between your stores are removed.
Royalty and marketing debits as fixed costs. If a store's royalty is in a reduced period, we read the statements but size capacity as if the standard rate already applied.
Existing positions. Every current advance or loan is counted, and a new structure can lower the store's payment.
See funding for multi-location businesses for how several entities sit in one conversation.

## Document checklist for a Marco's request

Three months of bank statement PDFs for every store in the request
A one-page store list: entity, open date, ownership share
Your development commitment in plain terms (how many stores, rough timing), so the reviewer understands the reserve
Equipment quotes, if any
Current loan and advance schedule

## Hypothetical example: sizing a younger store honestly

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.

## Buying or opening a Marco's store instead?

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.

## Keep reading

Pizza franchise funding: every brand page in the sector
Franchise brands we cover: other brand pages
Restaurant funding: restaurant cash flow and equipment notes
Papa Johns franchise funding: another multi-unit pizza system
Domino's franchise funding: delivery-led pizza stores
Franchise working capital: how working capital is sized for franchise units

## Common questions

### Can an existing Marco's Pizza owner apply?

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.

### What documents does a Marco's file need?

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.

### Can I finance an oven or make table for my Marco's store?

Yes. Equipment financing is reviewed with the vendor quote, the useful life and the operating store's deposits.

### I have stores open and more committed. Can you fund the open ones?

Yes. Requests are tied to the operating store entities and their deposits. Stores not yet open are not part of the sizing.

### Are you affiliated with Marco's Pizza?

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.

Apply with Merchant Fund Express: https://merchantfundexpress.com/current-application.html?utm_source=mfebusinessloans.com&utm_medium=franchise&utm_campaign=franchise-funding&utm_content=marcos-pizza