Franchise funding by sector
Shelves, stockrooms and checkout counters: what funds each cost line at a franchised store.
✓ 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 convenience, specialty retail, mattress, phone repair or consignment franchise and need capital? Merchant Fund Express funds existing retail owners with business loans, merchant cash advances, revenue-based financing, lines of credit, equipment financing and working capital. We read the store's card and cash deposits, count royalty and ad fund drafts as normal costs, and size the payment after them. A complete file gets a same-day decision.
A store sells what is on its shelves, and the shelves are paid for before they sell. A convenience store turns beverages, snacks and tobacco weekly with vendor routes on cash terms. A specialty retailer buys seasonal lines months ahead. A mattress store carries floor models and fast-moving sizes while delivery timing drives when the sale settles. A phone repair shop stocks screens, batteries and parts for the newest models. A consignment store pays consignors on a schedule after items sell and buys outright lots for cash.
The franchisor's royalty and ad fund drafts sit on top of all of that. Merchant Fund Express reads the store's deposits at the unit level, subtracts those drafts and existing positions, and sizes funding on what remains. For the generic view of stock financing, see inventory financing for small business.
| Cost line | Timing | What fits |
|---|---|---|
| Core inventory (beverages, parts, sizes in stock) | Weekly or monthly reorders | Line of credit drawn per order |
| Seasonal stock (back-to-school, holiday, summer) | 60 to 120 days before the season | Inventory funding or revenue-based financing |
| POS terminals, scanners, inventory software | Replacement or franchisor-scheduled upgrade | POS and tech funding |
| Coolers, fixtures, display beds, repair benches | Replacement or a store refresh | Equipment financing |
| Store refresh or relayout | Lease renewal or refresh schedule | Term loan for Tier 1; working capital otherwise |
| Royalty and ad fund drafts | Recurring | Counted before sizing |
Retail brand pages are not published yet. Any operating franchised store can apply now. The review reads about 3 months of card settlements and cash deposits, vendor payment patterns, the royalty and ad fund drafts, and any current advances. Name the brand on the application so the reviewer recognizes the drafts.
Imagine a hypothetical specialty retail franchise depositing $68,000 a month, with November and December running about 60% above that. Royalty and ad fund drafts, rent and a current equipment payment take $17,000 a month. In September the owner needs $45,000 of holiday stock and a $12,000 POS and scanner upgrade the franchisor has scheduled.
Figures in this example are illustrations of the arithmetic, not an offer, quote or approval. Real terms depend on the file and the funder.
Card settlements and cash deposits both count when they land in the business account; transfers between your own accounts do not. Lottery and money-order settlements at a convenience store are read as pass-through, not as store revenue. Vendor ACH debits show the inventory rhythm, and royalty and ad fund drafts are counted as recurring obligations. Merchant Fund Express reviews each entity on its own account, so a two-store owner with separate LLCs gets two reads; see funding a second franchise location.
Existing positions are counted, and a new structure can lower the payment. Terms depend on the business's revenue and history.
No tax returns for a typical first review; full financials usually only above $250,000. The application takes about 5 minutes. Opening a first store needs an operating history; see opening a convenience store franchise.
Yes. Merchant Fund Express funds operating convenience, specialty, mattress, phone repair and consignment franchises from $25,000 to $5,000,000, sized on deposits.
Yes. A line of credit drawn as orders ship and repaid from season sales is the usual fit; revenue-based financing also works for a one-time buy.
Yes, when they are deposited to the business account. Lottery and money-order pass-through is read separately.
Yes. Terminals, scanners and the related hardware are reviewed as equipment financing on the vendor quote.
No. An MCA purchases future card receivables and is collected by daily or weekly debits. A term loan or line of credit is a loan.
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.
