Franchise funding by sector
Offices that earn in bursts: tax season, closing commissions, policy renewals. How professional service franchise owners fund the months in between.
✓ 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 tax preparation, real estate, insurance agency or business services franchise office and need capital? Merchant Fund Express funds existing professional service owners with business loans, merchant cash advances, revenue-based financing, lines of credit and working capital. We read office deposits, count royalty and ad fund drafts as normal costs, and give a same-day decision on a complete file.
These offices sell expertise, so their big costs are people, space and marketing rather than equipment. The revenue timing differs by concept. A tax preparation office earns most of its year between late January and mid-April, then carries rent and a smaller staff for eight months. A real estate office earns from commission splits at closing, which arrive in irregular lumps. An insurance agency earns commissions on new policies and renewals, steadier but slow to build. Business service offices bill companies monthly.
Each pattern produces a predictable squeeze: hiring and training seasonal tax preparers before refunds start, recruiting agents and outfitting an office before their closings arrive, funding a marketing push while a book of renewals grows. Merchant Fund Express reads those patterns over several months and sizes the payment to the slow months, not the peak.
| Cost line | Timing | What fits |
|---|---|---|
| Seasonal tax preparer hiring and training | November through January | Line of credit drawn before season, repaid by April |
| Office build-out or relocation | Lease signing or a franchisor-scheduled refresh | Term loan (Tier 1) or working capital |
| Agent and producer recruiting | Growth phase | Working capital |
| Local marketing: mailers, signage, search ads | Before tax season or a listing push | Marketing funding |
| Computers, scanners and client software | Annual refresh | Tech upgrade funding or equipment financing |
| Off-season rent and core payroll | May through December for tax offices | Seasonal cash flow funding |
We have not published brand pages for professional service concepts yet. Any operating tax preparation office, real estate office, insurance agency or business services franchise can apply. The review reads:
Terms depend on the business's revenue and history.
| Office | Product | Why |
|---|---|---|
| Tax office, 5 seasons open, steady April deposits | Line of credit | Draw $10,000 or more in December, interest only on draws, repay in spring |
| Real estate office with lumpy commission deposits | Revenue-based financing | Payments sized to revenue; not a loan |
| Insurance agency, 3+ years, FICO 650+, planned build-out | Term loan | $10,000 to $250,000, weekly payments, 0% origination |
| Any office needing money within days for a lease deposit | Merchant cash advance | Fast, sized on deposits; not a loan |
A hypothetical owner runs three tax preparation franchise offices under one LLC. The offices deposit about $310,000 between February and April and about $40,000 across the other nine months combined. Rent, core staff and royalty drafts run $19,000 a month year round. Before the season the owner needs $36,000 for twelve seasonal preparers' training and first payrolls, plus $14,000 for mailers and signage.
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 needs no tax returns for a typical first review; full financials usually only above $250,000. For remodel structures see remodel funding for a commercial space and the franchise remodel guide.
Yes. Merchant Fund Express reads the full seasonal cycle, so a strong spring supports a line of credit or working capital drawn in December and January.
Yes. Revenue-based financing sizes payments to revenue, which suits commission income that arrives in lumps.
Yes. A term loan fits a Tier 1 office with 3+ years in business and FICO 650+; working capital fits others. Send the lease or contractor bid.
Yes. Commission deposits that land in the business account count, and steady renewals support a predictable payment.
Yes. Mailers, signage and search ads before a busy season are a common request, funded from working capital or a line of credit.
Same day on a complete file, with funding often the next business day.
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.
