Franchise funding
Written for multi-unit operating groups that hold stores across several entities.
✓ 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 Wingstop location and need capital? Merchant Fund Express funds existing Wingstop 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 franchisor recruits experienced multi-unit operators, so most requests involve several stores in several entities, each reviewed on its own deposits. Typical uses are fryers, oil and wing cost swings, refrigeration, refreshes and kitchen technology.
Wingstop franchisees are typically restaurant groups, not single-store owners, so this page is written for a finance lead or owner managing several stores and several legal entities. If you run one store, everything here still applies; the entity question is simply shorter.
A wing kitchen is fryer-driven. Fryers, oil, freezers and walk-ins carry the menu, and chicken wings are a commodity whose purchase price can move sharply between quarters. Those swings hit the food line on every store at once. Sector context sits on the restaurant industry page; other brands are listed in the franchise brand directory.
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.
When weekly food purchases rise across every store, margin compresses before menu prices adjust. A line of credit held by the entity carries the extra purchasing and is repaid as costs settle.
Fryers run constantly, and replacements are best planned across several stores. Equipment financing with quotes keeps each store's payment tied to the asset.
A store refresh or new kitchen hardware is a defined project. A term loan fits a fixed budget if the entity meets Tier 1; equipment financing fits screens and hardware.
Refrigeration failures sit between the two: urgent, but quote-based. See emergency refrigeration funding.
Already running a Wingstop location and need capital? Merchant Fund Express funds existing Wingstop 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 chicken and wing franchise guide.
| Need | Product | Published requirement it leans on | What to send |
|---|---|---|---|
| Commodity spike in wing purchases | Business line of credit | Tier 1: 3+ years, FICO 650+, avg balance $5K or 10% of monthly revenue | Food invoices before and after, statements |
| Fryers, oil filtration, freezers | Equipment financing | Vendor quote, useful life | Multi-store quote with unit split |
| Store refresh | Term loan | Tier 1, first position only, at most 2 positions | Contractor estimate per store |
| A newer entity with a shorter record | Revenue-based financing | Tier 2: 6+ months, FICO 600+, $60K verifiable revenue | Statements, list of current advances |
Full thresholds: franchise funding requirements.
We review each entity separately. Groups often hold two or three stores per LLC, with a management company above them. The request is tied to the entity whose account receives the sales of the stores being funded.
See multi-unit franchise funding for how groups sequence requests.
Take a six-store group with three LLCs. LLC North holds two stores and deposits $142,000 a month combined. It needs four fryers at $9,800 each, a walk-in freezer repair at $8,300, and a buffer for eight weeks of higher wing purchases, which rose from $11,500 to $14,200 a week across the two stores.
LLC South and LLC East are not part of the request and keep their own capacity for later.
Figures in this example are illustrations of the arithmetic, not an offer, quote or approval. Real terms depend on the file and the funder.
Merchant Fund Express funds operating businesses. A new development entity with no deposits needs operating history first; see opening a restaurant franchise. A group opening another store is reviewed on its existing entities' deposits.
Yes. Each entity with operating stores and business deposits can be reviewed. The application takes about five minutes and starts with a soft credit pull.
Bank statements for every entity in the request, an entity chart, equipment quotes split by store and a list of current payments per entity.
Yes. Equipment financing is reviewed with vendor quotes and useful life. A multi-store quote should show each store's share.
Entity by entity. Each LLC is read on its own deposits, royalty debits and existing positions, so one entity's request does not draw down another's capacity.
No. Merchant Fund Express is independent. We use the Wingstop 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 Wingstop 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.
