Franchise funding by sector
Ovens, drivers and delivery nights: how a pizza store's money moves, and which product fits each cost line.
✓ 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 pizza franchise and need capital? Merchant Fund Express funds existing pizza owners with business loans, merchant cash advances, revenue-based financing, lines of credit, equipment financing and working capital. We read card and online-order deposits, count royalty, ad fund and technology-fee debits as normal costs, and size the payment after them. A complete file gets a same-day decision.
A pizza store is a delivery business with a kitchen attached. Most orders arrive online or through the app, settle as card deposits a day or two later, and peak hard on Friday nights, game days and holidays. The fixed side of the ledger is heavy: oven and make-line upkeep, a driver payroll that grows with every busy night, mileage or vehicle costs, and the franchisor's royalty and ad fund drafts on their own schedule.
That shape creates three predictable pressure points: an oven or walk-in that fails on a weekend, a driver payroll that spikes before the deposits from the spike land, and a refresh or second store that needs a lump sum. Merchant Fund Express reads all of it at the unit level, so a strong delivery store is not penalized for the weeks its payroll runs ahead of its deposits.
| Cost line | Timing | What fits |
|---|---|---|
| Conveyor or deck oven | Planned replacement or sudden failure | Equipment financing on the quote; working capital if it cannot wait |
| Make-line and walk-in refrigeration | Wear-out, compressor failure | Refrigeration funding |
| Driver payroll on peak weeks | Weekly, rises with volume | Line of credit draws, repaid as deposits clear |
| Delivery cars or e-bikes | Fleet growth or replacement | Vehicle funding |
| Cheese, flour and box inventory | Weekly orders; price swings | Inventory funding |
| Store refresh | Franchisor-scheduled or owner-chosen | Term loan with weekly payments |
| Royalty, ad fund and tech fees | Recurring drafts | Not a funding purpose; counted before sizing |
Each brand page covers the concept's own operating pattern and a fact panel checked against the franchisor's published materials. Any operating pizza franchise can apply, listed or not; name the brand in the application so the reviewer reads the drafts correctly.
| Your store | Product | Why it fits |
|---|---|---|
| Open 3+ years, strong deposits, a planned project | Term loan or line of credit | Weekly payments, interest only on draws for the line |
| Open 6+ months, card-heavy, needs money this week | Merchant cash advance | Sized on sales; not a loan |
| Sales swing with football and holidays | Revenue-based financing | Payments move with revenue |
| A specific oven or cooler with a quote | Equipment financing | Term matched to useful life |
Every product is laid out on franchise business loans. If your store already carries an advance, Merchant Fund Express counts it and can structure the new money to lower the payment you carry today.
Illustration only. A two-store pizza owner deposits about $78,000 a month at Store A and $64,000 at Store B, each in its own LLC. Store A's oven needs replacing before football season, and both stores need driver hours added for twelve weeks.
Figures in this example are illustrations of the arithmetic, not an offer, quote or approval. Real terms depend on the file and the funder.
No tax returns for a typical first review; full financials usually only above $250,000. The application takes about five minutes with a soft credit pull. Merchant Fund Express funds operating stores; to open a first one, read existing vs new. Ready? apply now.
Yes. Merchant Fund Express funds operating pizza stores with business loans, merchant cash advances, revenue-based financing, lines of credit, equipment financing and working capital, from $25,000 to $5,000,000.
Yes, when they land in the business bank account. Send the payout reports if they are a large share of deposits.
Yes. Equipment financing is reviewed on the vendor quote, with the oven as the purpose and its useful life setting the term.
As normal recurring costs. The new payment is sized after royalty, ad fund and technology-fee drafts.
Yes. See the franchise vehicle funding guide for down payments, fleet growth and which product fits.
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.
