Franchise funding by sector
For QSR owners of any brand: how a counter-service unit is read, and which product fits each need.
✓ 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 quick-service restaurant franchise and need capital? Merchant Fund Express funds existing QSR owners of every brand with business loans, merchant cash advances, revenue-based financing, lines of credit, equipment financing and working capital. We read the unit's card deposits, count royalty and ad fund debits as normal costs, and give a same-day decision on a complete file.
Owners of counter-service and drive-thru restaurants that do not fit neatly into one of our narrower sector guides: Mexican and Asian quick service, hot dogs, salads and bowls, breakfast concepts, and the many regional brands. It is also for multi-brand operators who run, say, two burger units and three bowl concepts under one management company.
| Cost line | Timing | What fits |
|---|---|---|
| Self-order kiosks and digital menu boards | Brand tech rollouts | POS and tech upgrades |
| Kitchen display and online-ordering hardware | Replacement cycles | Equipment financing |
| Crew payroll across long hours | Weekly | Payroll funding |
| Seasonal or event-driven dips | Weather, school calendar, tourism | Seasonal cash flow |
| Local marketing on top of the ad fund | Openings, relaunches | Local marketing funding |
| Refresh with a contractor bid | Planned | Term loan |
This guide has no brand pages of its own, because it covers the long tail of quick-service concepts. That changes nothing about eligibility. The review reads the same four things for every brand: the entity on the statements, about three months of deposits, the royalty and ad fund drafts, and any existing positions. Type the brand name into the application so the drafts are recognized.
Brand pages for burger, chicken, pizza, sandwich, coffee and dessert concepts sit in the brand directory.
For structure questions see units in separate LLCs and multi-unit owners.
Illustration only. A four-unit QSR owner must add two self-order kiosks per unit at $9,500 each, so 8 x $9,500 = $76,000. The units deposit a combined $260,000 a month across four LLCs.
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 and starts with a soft credit pull. Merchant Fund Express gives a same-day decision on a complete file, and funding often follows the next business day. Buying or opening a first unit is a different question, answered in existing vs new. Ready? Apply now.
Yes. Any operating QSR franchise can apply. Merchant Fund Express funds business loans, MCAs, revenue-based financing, lines of credit, equipment financing and working capital.
Yes, when the unit deposits to a business account in the applying entity's name.
Each entity applies on its own statements. Tell the reviewer about the group so combined obligations are read correctly.
Yes. Equipment financing on the vendor quote, or working capital if the rollout includes installation and training costs.
No. Merchant Fund Express funds operating businesses. See existing vs new franchise funding for the difference.
Usually not. If a host venue collects sales and remits them to you, send the remittance statements alongside the bank statements so the deposits are easy to trace.
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.
