Franchise funding
For owners of drive-thru, cafe with drive-thru and mobile units: what we fund and how weekly drafts and required inventory 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
Already operating a Ziggi's Coffee shop? Merchant Fund Express funds existing Ziggi'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, the required coffee inventory and espresso equipment service against your deposits. A complete file gets a same-day decision, and funding often follows the next business day.
Owners of open Ziggi's shops in the published formats: a small freestanding drive-thru with no seating, a cafe with drive-thru that seats a few dozen guests, and, since 2026, mobile units run from a truck or trailer at events. The menu runs from espresso and tea to smoothies, dirty soda, energy drinks, sandwiches and wraps; espresso machines come through a franchisor affiliate, and owners keep a minimum stock of designated coffee.
Read it with 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 Ziggi'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.
Espresso machines are among the larger equipment items, so replacing or adding one is a natural equipment financing request; see coffee equipment financing.
Owners keep a minimum of designated coffee on hand plus food from designated suppliers; a line of credit holds that level in a slow week.
A truck or trailer earns at events, so deposits arrive in bursts while payroll and fuel do not wait. Revenue-based financing fits; see coffee shop working capital.
| Need | Product | Published requirement it leans on | What to send |
|---|---|---|---|
| Espresso machine replacement | Equipment financing | Vendor quote and useful life | Quote, 3 months of statements |
| Required coffee and food inventory | Line of credit | Tier 1: 3+ years, FICO 650+, 8+ deposits a month | Statements, supplier invoices |
| Event-driven mobile unit gaps | Revenue-based financing | Tier 2: $800 minimum daily balance, up to 2 current advances | Statements, event calendar |
| Crew payroll at a newer shop | Working capital | Tier 2: 6+ months, FICO 600+, $60K verifiable revenue | Statements, payroll register |
| Cafe seating or drive-thru upgrade | Business loan | Tier 1: about $25K/month revenue, applicant owns 50%+ | Quote, statements |
Merchant Fund Express offers Spanish-speaking support and accepts ITIN applicants.
Consider a cafe with drive-thru depositing $82,000 a month. Payroll is $25,000, coffee, food and supplies $24,000, weekly franchisor drafts $5,740, rent $7,200 and existing payments $3,100. The owner wants a second espresso machine quoted at $33,000.
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 shop or mobile unit that has not opened has no deposits to read, so it needs operating history first. Owners adding a shop under a development agreement are read on their open shops' deposits; see second location funding. Buying an open shop follows franchise transfer financing.
Yes, once it operates with business deposits; event-driven revenue suits revenue-based financing.
Yes, on the vendor quote and the machine's useful life.
No. Designated coffee and food purchases are read as cost of goods. A line of credit can keep that stock level steady.
Each shop or entity is read on its own deposits and weekly drafts, so a request can cover one shop or several.
No. Merchant Fund Express is independent. We use the Ziggi'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 Ziggi'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.
