Franchise funding
For owners of drive-thru kiosks and end cap stores: the needs we see, the product that fits and how weekly franchisor 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
Running a Scooter's Coffee kiosk or end cap store and need capital? Merchant Fund Express funds existing Scooter'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 affiliate supply orders alongside your card deposits. A complete file gets a same-day decision, and funding often follows the next business day.
Franchisees with open stores in any published format: the no-seating drive-thru kiosk, the strip-center end cap with indoor ordering plus a window, and other stores in hospitals, schools and airports. Beans, syrups, smoothie mixes, baked items and core equipment come through the franchisor's affiliate supply chain.
See the coffee and beverage franchise sector guide and our coffee 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 Scooter'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.
A kiosk packs espresso, brewers, grinders, smoothie machines, an oven, refrigerators and ice makers into a small space; one failure slows the window. See coffee shop equipment repair funding.
Royalty and marketing are drafted weekly by EFT and supply invoices follow orders, so a slow week meets the same schedule.
Owners with a multi-store development agreement ask how a current store's deposits support the next; see second location funding.
| Need | Product | Published requirement it leans on | What to send |
|---|---|---|---|
| Espresso or smoothie machine replacement | Equipment financing | Vendor quote and useful life | Quote, 3 months of statements |
| Ice maker or refrigerator failure | Working capital | Tier 2: 6+ months, FICO 600+, $60K verifiable revenue | Repair invoice, statements |
| Affiliate supply orders | Line of credit | Tier 1: 3+ years, FICO 650+, 8+ deposits a month | Statements, supply invoices |
| Slow weeks at a newer store | Revenue-based financing | Tier 2: $800 minimum daily balance, up to 2 current advances | Statements |
| Window or menu board upgrade | Business loan | Tier 1: about $25K/month revenue, applicant owns 50%+ | Quote, statements |
Merchant Fund Express accepts ITIN applicants and offers Spanish-speaking support.
Take a kiosk depositing $70,000 a month. Payroll is $20,000, affiliate supply orders $21,000, weekly franchisor drafts $5,600, ground lease $4,500 and existing payments $2,900. The owner wants a new espresso machine and smoothie machine quoted at $36,000.
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 kiosk that has not opened has no deposits, so it needs operating history first; existing owners adding stores are read on current deposits. Buying an open store from another franchisee follows franchise transfer financing; first-time buyers can start with buying a franchise.
No. Affiliate supply drafts are read as cost of goods, like any food supplier.
Yes, on a vendor quote and the equipment's useful life.
The products are the same; end cap stores add walk-in tickets and different rent, so each store is read on its own numbers.
Each store or entity is read on its own deposits and weekly drafts.
No. Merchant Fund Express is independent. We use the Scooter'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 Scooter's Coffee 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.
