# Smoothie King Franchise Funding for Existing Owners

> Funding for existing Smoothie King owners: blender replacement, freezers and refrigeration, produce costs, seasonal cash flow and drive-thru store overhead.

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

## The short answer

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.

## Who is this page for?

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.

## What the franchisor publishes

Smoothie King: facts from official sources
Franchise fee: $25,000 to $30,000 ($15,000 non-traditional) (source)
Initial investment, end-cap / in-line: $329,850 to $683,715 (FDD issued April 8, 2026) (source)
Initial investment, free-standing drive-thru: $639,950 to $1,278,900 (source)
Royalty: 6% of weekly sales (source)
Advertising: 3% national advertising fund plus 2% local store marketing (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 do Smoothie King owners usually need funded?

Blenders on a replacement cycle
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.
Freezers and refrigeration
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.
Produce costs and seasonal cash
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.

## Every way to fund your Smoothie King location

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.
Business loan: a term loan with weekly payments for a planned project at your Smoothie King location, such as a refresh or a bundle of equipment.
Merchant cash advance: fast capital sized on card sales in a slow winter month.
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: commercial blenders, freezers and reach-in refrigeration.
Working capital: produce and supplement inventory through seasonal swings.
Compare them side by side in MCA vs business loan, or read the smoothie and juice franchise guide.

## Which product fits which need?

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 |

## How is a Smoothie King store reviewed?

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.

## Smoothie King document checklist

Three most recent months of business bank statements as bank PDFs
One additional peak-season month if the recent months are your slowest
Quote for blenders, freezers or other equipment
Schedule of current advances or loans
Ownership list (at least 50% ownership for line of credit and term loan)

## A hypothetical winter budget

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.

## Buying or opening a Smoothie King instead?

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.

## Keep reading

Smoothie and juice franchise funding: every brand page in the sector
Franchise brands we cover: other brand pages
Restaurant funding: food service equipment and cash flow
Coffee shop funding: beverage-led counter stores with similar seasonality
Tropical Smoothie Cafe franchise funding: a smoothie concept with a full food menu
Business line of credit: draw in slow months, repay in busy ones

## Common questions

### Can an existing Smoothie King owner apply?

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.

### What documents should I prepare for a Smoothie King request?

Three months of business bank statements, an extra peak month if the recent ones are slow, equipment quotes and a list of current payments.

### Can I finance blenders or freezers for my Smoothie King?

Yes. Equipment financing is reviewed with the vendor quote and useful life. A failed freezer that also cost you inventory can include working capital.

### What if I own several Smoothie King stores?

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.

### Are you affiliated with Smoothie King?

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.

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