Franchise funding
For franchisees of the stay-in-your-car oil change: fast tickets, compact stores, and often several stores under development at once.
✓ 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
Merchant Fund Express funds operating Take 5 Oil Change franchisees: lines of credit, equipment financing, working capital, business loans, merchant cash advances and revenue-based financing, $25,000 to $5,000,000. A Take 5 store runs many short tickets a day, so we read deposit count and consistency, then size payments after franchisor drafts, product purchases and current positions. Complete files get a same-day decision, and funding often follows the next business day.
Franchisees with open stores and deposit history. Driven Brands, the parent, reports that Take 5 serves retail drivers and commercial customers such as fleet operators through a stay-in-your-car format, with a compact store layout and shallow pit design. Beyond oil, stores sell add-ons such as coolant service, differential fluid exchanges and air and cabin filters. Driven Brands also says many existing franchisees have real estate pipelines in place, so a typical file comes from an operator funding open stores while the next one is under construction.
The automotive franchise funding sector guide and our auto repair industry page cover the wider service-bay cash cycle.
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 Take 5 Oil Change location and need capital? Merchant Fund Express funds existing franchise owners with every product below. Terms depend on the business's revenue and history.
An operator opening store after store spends on build-out, hiring and training before each new store produces sales. Working capital sized on open-store deposits keeps the pipeline moving.
Coolant and differential fluid machines raise the average ticket but need cash up front. Equipment financing spreads the cost across the machine's life.
Fast service depends on trained crews in the pit and at the car. Hiring and training ahead of demand is a payroll cost; see auto repair payroll funding.
| Need | Product | Published requirement it leans on | What to send |
|---|---|---|---|
| Fluid exchange or dispensing equipment | Equipment financing | Vendor quote, useful life | Quote, 3 months of statements |
| Crew hiring before a new store opens | Working capital | Tier 2: 6+ months, FICO 600+, $60K verifiable revenue | Statements for the open stores |
| Oil and filter orders across stores | Line of credit | Tier 1: 3+ years, FICO 650+, 8+ deposits a month | Statements, supplier invoices |
| Ramping store with uneven sales | Revenue-based financing | Tier 2: $800 minimum daily balance, up to 2 current advances | Statements per entity |
| Fleet invoices on terms | Invoice factoring | Invoices to business customers | Aging report, invoices |
Typical first reviews skip tax returns. Spanish-speaking support is available.
Suppose a two-store franchisee deposits $130,000 a month combined. Oil and supply drafts are $33,000, payroll $36,000, franchisor drafts $15,600, rent $14,000 and existing payments $6,400. The owner wants $60,000 of working capital for crew hiring at a third store.
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 that has not opened has no deposits to read, so a first store needs an operating history before Merchant Fund Express can review it. See buying a franchise. Existing franchisees adding stores are read on current deposits; see second location funding and franchise transfer financing.
The review reads deposits from the stores that are already operating. Funding is sized on those deposits; the store under construction has no history yet.
Yes. Equipment financing is reviewed against a vendor quote and the machine's useful life.
Royalty and marketing fund debits are normal recurring obligations. Payment capacity is sized after them.
Tier 2 products allow up to 2 current advances. A new structure can sometimes lower the combined payment; see existing advances.
No. Merchant Fund Express is independent. We use the Take 5 Oil Change 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 Take 5 Oil Change 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.
