Franchise funding
For operators already running restaurants on McDonald's real estate.
✓ 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
Already operating McDonald's restaurants and need capital? Merchant Fund Express funds existing McDonald's owner/operators: business loans, merchant cash advances, revenue-based financing, lines of credit, equipment financing and working capital, from $25,000 to $5,000,000. Conventional franchisees pay rent and royalties based on a percent of sales, so we size every payment after those drafts. A complete file gets a same-day decision, and funding often follows the next business day.
Owner/operators who already run open McDonald's restaurants in the U.S. The 10-K describes the conventional franchise: the company generally owns or leases the land and building, and the franchisee pays for equipment, signs, seating and decor, and reinvests in the business over time. The operator's balance sheet carries the kitchen, drive-thru technology and dining room.
Most new U.S. openings include a drive-thru, and restaurants run breakfast, McCafe beverages, shakes and soft serve beside burgers and fries. See the burger franchise funding guide and our restaurant 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 McDonald's location and need capital? Merchant Fund Express funds existing franchise owners with every product below. Terms depend on the business's revenue and history.
The franchisee owns equipment, signs, seating and decor, so upgrades are paid from operator cash. Spreading part of the cost protects payroll; see franchise remodeling funding.
Frozen dessert machines, ice machines and beverage towers are high-use and costly. Equipment financing on a quote keeps the menu complete.
A busy drive-thru carries a big weekly payroll before sales settle. A franchise line of credit handles the timing.
| Need | Product | Published requirement it leans on | What to send |
|---|---|---|---|
| Shake machine or fryer | Equipment financing | Vendor quote and useful life | Quote, 3 months of statements |
| Modernization work | Business loan | Tier 1: 3+ years, FICO 650+, about $25K/month revenue | Project scope, statements |
| Payroll through promotions | Line of credit | Tier 1: 8+ deposits a month, NSFs max 6/month | Statements, debt schedule |
| Walk-in or HVAC failure | Working capital | Tier 2: 6+ months, FICO 600+, $60K verifiable revenue | Repair invoice, statements |
| Seasonal tourist restaurant | Revenue-based financing | Tier 2: minimum daily balance $800 | Statements for that entity |
Spanish-speaking support is available, and ITIN applicants are accepted.
Consider a drive-thru restaurant with $310,000 in monthly deposits. Rent and service fee drafts total $43,000, food and paper $95,000, payroll $90,000 and existing payments $9,000. The operator wants kiosks and drive-thru order equipment quoted at $180,000.
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 new operator or unopened restaurant has no deposit history, so it needs operating history first; see buying a franchise. A current operator adding a restaurant is read on existing deposits (second-location funding); buying from another operator follows franchise transfer financing.
Yes. The franchisee pays for equipment, signs, seating and decor, so that equipment can be financed against a vendor quote.
As normal recurring costs. New payments are sized after them.
Each entity is read on its own deposits; a request can cover one restaurant or the organization.
Funding runs up to $5,000,000; above $250,000 we also need full financials.
No. Merchant Fund Express is independent. We use the McDonald'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 McDonald'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.
