# PJ's Coffee Franchise Funding for Existing Owners

> Funding for existing PJ's Coffee owners: espresso and brewing equipment, the five-year refurbishment, drive-thru lanes and inventory, read from deposits.

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

## The short answer

Running a PJ's Coffee cafe or drive-thru and need capital? Merchant Fund Express funds existing PJ's owners with 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 weekly royalty and marketing drafts and roaster orders against your deposits, and we size requests like a scheduled refurbishment to what the store can carry. A complete file gets a same-day decision, and funding often follows the next business day.

## Who is this page for?

Owners of open PJ's units in the published formats: inline or end cap cafes, often with a drive-thru; free-standing cafes or drive-thru-only buildings; and non-traditional units inside airports, hospitals, hotels, campuses and military sites with a condensed menu. Coffee is roasted by an affiliate and bought as designated product. The menu adds blended drinks, tea, desserts, sandwiches and, at many stores, beignets.
Read it with the coffee and beverage franchise sector guide and our coffee shop industry page.

## What the franchisor publishes

PJ's Coffee: facts from official sources
Franchisor: New Orleans Brew, L.L.C. d/b/a PJ's Coffee of New Orleans (Mandeville, Louisiana) (source)
Initial franchise fee: $40,000 for a first traditional unit; $30,000 non-traditional; $15,000 for each additional unit under a multi-unit option (FDD dated April 10, 2026) (source)
Royalty: 5.0% of net sales, withdrawn weekly (source)
Advertising fund: Marketing fund fee of 2.0% of net sales, plus a one-time $15,000 initial marketing fee; cooperatives may charge 1.0% to 3.0% (source)
Liquid assets / net worth asked of new franchisees: Liquid capital minimum $175,000; net worth minimum $500,000 (franchise inquiry form) (source)
Published formats: Inline or end cap cafe, often with drive-thru; free-standing cafe with drive-thru or drive-thru only; non-traditional units in airports, hotels, campuses, health care and military sites (source)
US franchising status: Actively franchising in the US (single and multi-unit) (source)
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.

## Every way to fund your PJ's Coffee location

Already running a PJ's Coffee location and need capital? Merchant Fund Express funds existing franchise owners with every product below. Terms depend on the business's revenue and history.
Franchise business loan: A term loan for the refurbishment due after five years or a drive-thru addition, sized from deposits.
Merchant cash advance: Card-settlement repayment for a cafe with steady counter and window sales.
Revenue-based financing: Payments that follow sales at an airport or campus unit with travel and semester swings.
Business line of credit: A revolving line for roaster orders, beignet ingredients and seasonal menu stock.
Equipment financing: Espresso machines, brewers, blenders and ovens financed on a vendor quote.
Working capital: Short capital for crew payroll, a repair or a slow month.

## Which problems do PJ's owners bring to a funding review?

The five-year refurbishment
The franchisor calls for a refurbishment after the first five years. It is a known, dated project, which suits a term loan or equipment financing planned ahead; see franchise remodeling funding.
Adding or upgrading a drive-thru
Drive-thru units run a second POS and see a different sales mix. Owners ask about lane hardware, timers and the extra station; see adding a drive-through lane.
Fresh roast and beignet inventory
Fresh-roasted coffee and food are ordered steadily, and seasonal menus raise orders before sales follow. A line of credit fits.

## Which product fits which PJ's need?

Need | Product | Published requirement it leans on | What to send |
Five-year refurbishment | Business loan | Tier 1: 3+ years, FICO 650+, applicant owns 50%+ | Contractor quote, statements |
Espresso or brewer replacement | Equipment financing | Vendor quote and useful life | Quote, 3 months of statements |
Roaster and food orders | Line of credit | Tier 1: about $25K/month revenue, 8+ deposits a month | Statements, supplier invoices |
Airport or campus slow months | Revenue-based financing | Tier 2: $800 minimum daily balance, up to 2 current advances | Statements |
Payroll or repair gap | Working capital | Tier 2: 6+ months, FICO 600+, $60K verifiable revenue | Statements, invoice |

## How does the review read a PJ's location?

Entity: the company on the franchise agreement; multi-unit owners often hold each store separately.
Deposits: card batches from counter and window; drive-thru units show two POS streams landing in one account.
Franchisor drafts: royalty is withdrawn weekly with the marketing fund fee; capacity is sized after them.
Roaster and supplier drafts: designated coffee and food purchases are cost of goods, not debt.
Existing positions: current loans and advances are counted; a new structure can sometimes lower the combined payment.

## What should a PJ's owner send?

About 3 months of business bank statements (bank PDFs) per store entity
The five-minute application, which starts with a soft credit pull
Contractor or vendor quotes for a refurbishment, drive-thru or equipment
A list of current advances and loans with payments
Full financials only for requests above $250,000
Merchant Fund Express accepts ITIN applicants and offers Spanish-speaking support.

## A hypothetical PJ's refurbishment budget

Suppose a cafe with drive-thru deposits $72,000 a month. Payroll is $21,000, coffee, food and supplies $18,500, franchisor drafts $5,040, rent $7,500 and existing payments $2,000. The owner plans a refurbishment quoted at $45,000.
Monthly deposits$72,000
Less payroll, supplies, franchisor, rent, payments$72,000 - $21,000 - $18,500 - $5,040 - $7,500 - $2,000 = $17,960
$45,000 over 48 monthsabout $938/month before cost of funds
Share of what remains$938 / $17,960 = about 5.2%
Figures in this example are illustrations of the arithmetic, not an offer, quote or approval. Real terms depend on the file and the funder.

## What if you are buying or opening a PJ's instead?

A store that has not opened has no deposits, so it needs operating history before Merchant Fund Express can review it. Existing owners adding a unit are read on their current stores' deposits; see second location funding. Buying an open store follows franchise transfer financing.

## Keep reading

Coffee and beverage franchise funding: how coffee concepts are reviewed
Franchise brands we cover: every brand page in this guide
Franchise business loans: term loans for planned projects
Franchise remodeling funding: refurbishments and refreshes
Remodel or relocate a coffee shop: project costs and timing

## Common questions

### Can I fund my PJ's five-year refurbishment?

Yes, if the store is operating with business deposits. A term loan or equipment financing sized to the quote is the usual fit.

### Can I finance espresso machines for my PJ's?

Yes. Equipment financing is reviewed against a vendor quote and the machine's useful life.

### Is a non-traditional airport or hospital unit read differently?

The products are the same. Those units follow travel or facility traffic, so revenue-based financing often fits their swings.

### What if I own several PJ's stores?

Each store or entity is read on its own deposits and weekly drafts, so a request can cover one store or several.

### Are you affiliated with PJ's Coffee?

No. Merchant Fund Express is independent. We use the PJ's Coffee 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 PJ's Coffee 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=pjs-coffee