# Franchise Funding for Existing Owners

> Already running a franchise and need capital? Merchant Fund Express funds existing franchise owners: business loans, MCAs, revenue-based financing, lines of credit.

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

## The short answer

Already running a franchise and need capital? Merchant Fund Express funds existing franchise owners in every sector: 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 royalty and ad fund debits as normal costs, size the payment after them, and give a same-day decision on a complete file, with funding often the next business day.

## Who does Merchant Fund Express fund?

The owner whose name is on a franchise agreement and whose store already takes deposits. That covers a single-unit operator, a couple running two stores under one LLC, and a multi-unit group with an entity per location. If the unit is open and the bank statements show it, Merchant Fund Express is built for you.
Single-unit and multi-unit owners in every franchise sector, from QSR to hotels
Sole proprietors, LLCs and holding companies; non-profits are not eligible
ITIN applicants, with Spanish-speaking support
Operators in all 50 states (California and New York carry extra rules for revenue-based financing)
Credit scores from 500 considered; 600+ opens better offers
Terms depend on the business's revenue and history. Everything else on this page explains how each product works for a franchise unit and where to read more.

## Which franchise funding product fits which need?

Product | Typical franchise need | What it leans on |
Business loan (term loan) | Remodel, refresh, planned project | $10K to $250K, 12 to 18 months, weekly payments, 0% origination |
Line of credit | Payroll timing, inventory, repeat swings | $10K to $350K, from 1% per month, pay only on draws |
Merchant cash advance | Urgent need, card-heavy unit | 6+ months, FICO 600+, sized on sales; not a loan |
Revenue-based financing | Seasonal or uneven revenue | Payments sized to revenue; not a loan |
Equipment financing | Ovens, coolers, lifts, presses, kiosks | Vendor quote and useful life |
Working capital | Payroll, inventory, any operating cost | Deposits after royalties and existing payments |
Invoice factoring | Commercial clients paying on terms | The invoices themselves |
Not sure? Read franchise business loans for the full product map, or the requirements page for every published threshold in one table.

## Which owner situations have their own guide?

Lower your franchise MCA payment
When the SBA is too slow
Franchise funding with credit challenges
Franchise funding with existing advances
Franchise funding with an existing SBA loan
Funding a second franchise location
Franchise inventory funding
Franchise seasonal cash flow
Franchise refrigeration funding
Franchise POS and tech upgrades
Franchise vehicle funding
Franchise local marketing funding
Franchise units in separate LLCs
Multi-unit franchise owners
Franchise remodel funding
Franchise payroll funding
Fast funding for franchise owners

## How do the products compare for a franchise unit?

Five side-by-side guides, each worked through with royalty and ad fund debits in the arithmetic:
MCA vs business loan for franchise owners
Line of credit vs working capital
SBA loan vs working capital
Equipment financing vs working capital
Revenue-based financing vs MCA

## Which franchise sectors does Merchant Fund Express fund?

Every sector with operating units. Each sector page maps the cost lines of that business model to the product that fits, and lists every brand page in the sector.
Sandwich franchises
Pizza franchises
Burger and drive-through franchises
Chicken and wing franchises
Quick-service restaurant franchises
Coffee and beverage franchises
Smoothie and juice franchises
Dessert and bakery franchises
Full-service restaurant franchises
Fitness franchises
Beauty and wellness franchises
Automotive franchises
Cleaning and restoration franchises
Home service franchises
Shipping and printing franchises
Retail franchises
Pet service franchises
Education and childcare franchises
Senior care franchises
Staffing and B2B service franchises
Moving and junk removal franchises
Hotel franchises
Sports and entertainment franchises
Professional service franchises
Looking for your brand? The brand directory lists every brand page by sector. Brand not listed? Any operating franchise unit can apply.

## How does Merchant Fund Express read a franchise location?

Entity first. The legal name on the bank statements is matched to the entity on the application.
Unit-level deposits. About three months of statements show monthly revenue, deposit count, average balance, negative days and NSFs.
Royalty and ad fund debits. Read as normal recurring obligations, like rent or payroll. Payment capacity is sized after them.
Existing positions. Current advances, loans and SBA payments are counted, and a new structure can lower the payment you carry today.
Sizing. The amount follows deposits and obligations, from $25,000 to $5,000,000.
See the documents checklist and how royalty debits look in a file.

## What if you are buying or opening a franchise instead?

Merchant Fund Express funds operating businesses, so a first franchise purchase or a startup needs an operating history first. Read existing vs new and buying a franchise. Already open and adding the next unit? That is a different story: read funding a second franchise location.

## How do you apply?

About 3 months of business bank statements, as PDFs from the bank
The legal entity name for the unit, and the brand name typed into the application
A list of current advances or loans with their payments
About five minutes for the form, starting with a soft credit pull
No tax returns for a typical first review; full financials usually only above $250,000. Merchant Fund Express gives a same-day decision on a complete file. Apply now.

## Keep reading

Franchise business loans: the full product map for existing owners
Merchant cash advance for franchise owners: fast capital sized on sales
Find your brand: every brand page, by sector
Franchise funding requirements: every published threshold
Second franchise location: existing owners opening the next unit

## Common questions

### Where can a franchise owner get a business loan?

Merchant Fund Express funds existing franchise owners with business loans, lines of credit, merchant cash advances, revenue-based financing, equipment financing and working capital, from $25,000 to $5,000,000, with a same-day decision on a complete file.

### Can an existing franchise owner get a merchant cash advance?

Yes. Merchant Fund Express offers merchant cash advances to operating franchise units with 6+ months in business and FICO 600+, sized from card sales and deposits after royalty and ad fund debits.

### Do royalties count against my file?

They are read as normal recurring obligations, like rent. Payment capacity is sized after royalty and ad fund debits.

### What credit score do franchise owners need?

Scores from 500 are considered. 600+ opens better offers; revenue-based financing asks for 600+, and the line of credit and term loan ask for 650+.

### Is Merchant Fund Express affiliated with any franchisor?

No. Merchant Fund Express is independent. Brand names on these pages only identify the owners each page is written for.

### Can you fund my first franchise?

No. We fund operating businesses, so a first unit needs an operating history. Existing owners opening another unit are reviewed on their current units' deposits.

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