Franchise funding
For owners already running Smoothie King stores: how a review reads a beverage store's deposits, and which product fits blenders, freezers and slow months.
✓ 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 Smoothie King location and need capital? Merchant Fund Express funds existing Smoothie King 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. The review sizes funding from each store's bank deposits after royalty, advertising and existing payments, and reads seasonal swings over the statement period. Applying takes about five minutes with three months of statements.
Owners and operators with at least one Smoothie King store open and depositing. Drive-thru stores are the most expensive format to build, so owners of those units often carry larger occupancy and equipment bases than in-line stores, and their funding needs reflect that. Merchant Fund Express reviews both formats on the same basis: the store's own deposits.
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.
A smoothie bar runs commercial blenders hard all day. Motors, jars and sound enclosures wear out, and replacing a full station at once is a real line item. Equipment financing spreads it over the equipment's useful life.
Frozen fruit, dairy and supplements need reach-in and walk-in cold storage. A failed freezer means lost inventory as well as a repair bill; emergency refrigeration funding covers that case.
Fruit prices move with harvests and weather, while sales in many markets peak in warm months and soften in winter. A line of credit drawn in the slow season and repaid in the busy one fits that rhythm better than a lump sum.
Already running a Smoothie King location and need capital? Merchant Fund Express funds existing Smoothie King 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 smoothie and juice franchise guide.
| Need | Product | Published requirement it leans on | What to send |
|---|---|---|---|
| Full blender station replacement | Equipment financing | Vendor quote and useful life | Quote, statements |
| Freezer or walk-in failure | Working capital or equipment financing | Deposits after royalty and ad fund debits | Repair estimate, statements |
| Winter payroll and produce | Business line of credit | Tier 1: 3+ years, FICO 650+, negative days max 3 a month | Statements covering a slow month |
| Store open under 3 years | Revenue-based financing | Tier 2: 6+ months, FICO 600+, $800 minimum daily balance | Statements, processor reports |
| Drive-thru lane or menu board work on an open store | Term loan | Tier 1; term loan in first position only | Contractor quote, statements |
The reviewer reads the store entity's account: card settlements, app and delivery payouts, and cash. Royalty, national advertising and local marketing debits are read as recurring obligations, and payment capacity is sized after them. Existing advances or loans are counted; a new structure can lower the payment.
Seasonality is read in context. If your three months of statements fall in a slow stretch, say so and include a busier month as well; Merchant Fund Express would rather size on a fair picture than on the quietest quarter. Bank statements for a business loan covers what reviewers look for line by line.
Imagine a store depositing $54,000 a month from May through September and $36,000 from December through February. Fixed costs barely change, so a winter month leaves about $9,000 less cash. The owner also wants to replace four blenders at $1,650 each ($6,600) before spring.
Three slow months at a $9,000 shortfall is $27,000. Adding the blenders, the plan calls for $33,600. With a line of credit, the owner draws $27,000 across the winter and repays it from the summer surplus of about $9,000 a month ($54,000 - $45,000), clearing it in roughly three busy months. The blenders go on equipment financing so they do not compete with that repayment.
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 store with no deposits yet is outside what Merchant Fund Express funds, and the franchisor does not offer in-house financing either, so plan the build separately. For a purchase, see buying a franchise; for an owner adding a store, see opening another franchise location, reviewed on your open stores' deposits.
Yes. If your store deposits into a business account, apply in about five minutes with a soft credit pull. ITIN applicants are accepted and Spanish-speaking support is available.
Three months of business bank statements, an extra peak month if the recent ones are slow, equipment quotes and a list of current payments.
Yes. Equipment financing is reviewed with the vendor quote and useful life. A failed freezer that also cost you inventory can include working capital.
Each store entity is read on its own account. A drive-thru store and an in-line store can be reviewed side by side without one weakening the other.
No. Merchant Fund Express is independent. We use the Smoothie King 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 Smoothie King 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.
