Franchise funding by sector
Counter sales, commercial print jobs on terms and a press that has to run every day. What funds each part of a shipping or print 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 shipping, print or sign franchise and need capital? Merchant Fund Express funds existing owners with business loans, merchant cash advances, revenue-based financing, lines of credit, equipment financing, invoice factoring and working capital. We read counter and commercial deposits at the store level, count royalty and ad fund drafts as normal costs, and give a same-day decision on a complete file.
These stores run two businesses in one space. The counter side is walk-in retail: packing and shipping, mailbox rentals, notary and copy work, paid by card at the register. The production side is business-to-business: brochures, signs, banners, vehicle graphics, trade-show displays and recurring print runs for local companies, often billed on invoice with payment terms.
The counter brings steady daily deposits with a sharp lift from mid-November through December. The production side brings larger tickets but slower cash, because commercial customers pay 30 days or more after delivery. Meanwhile the store carries leases or notes on production printers, wide-format machines, laminators and cutters that have to be replaced on the manufacturer's cycle. Merchant Fund Express reads both sides, so a store whose cash sits in receivables is read on its full book of business.
| Cost line | Timing | What fits |
|---|---|---|
| Production color printer or copier | Lease end or replacement cycle | Equipment financing on the dealer quote |
| Wide-format printer, laminator, vinyl cutter | Adding signs and graphics | Equipment financing sized to useful life |
| Commercial print invoices on terms | Paid 30+ days after delivery | Invoice factoring or a line of credit |
| Boxes, packing supplies, paper and media | Bulk orders before the holidays | Inventory funding |
| Point of sale and shipping software | Brand-standard upgrade | POS and tech funding |
| Seasonal counter staff | November and December | Working capital |
Any operating shipping, print or sign franchise can apply even if the brand is not listed. The review reads counter deposits, commercial receivables, equipment notes and royalty drafts the same way for every concept.
| Store profile | Better fit | Why |
|---|---|---|
| Store with a few large commercial accounts paying slowly | Invoice factoring | Review leans on who owes the invoice, not the store's average balance |
| Store open 3+ years with steady counter deposits | Line of credit | Draw only for the gap; interest only on what is drawn |
| Store open under 3 years, card-heavy counter | Revenue-based financing | 6+ months in business and FICO 600+ |
The generic side-by-side is on line of credit vs invoice factoring. Terms depend on the business's revenue and history.
A hypothetical shipping and print store deposits $46,000 a month, about $31,000 from the counter and $15,000 from commercial accounts. Royalty and ad fund drafts, rent and a copier lease total $12,800 a month. The owner wants a wide-format printer and cutter quoted at $38,000 to bring sign work in-house, and three commercial customers currently owe $21,000 on net 30 and net 45 invoices.
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 asks for no tax returns in a typical first review. Industry basics are on printing business funding.
Yes. Merchant Fund Express funds operating shipping, print and sign franchises from $25,000 to $5,000,000, sized from deposits.
Yes. Equipment financing is reviewed on the dealer quote with the printer as the purpose.
Yes. Invoice factoring leans on the open invoices and the customers who owe them, which suits print stores with slow-paying business accounts.
It helps when read across several months. The review looks at the pattern, so a December spike and a January dip are expected.
No. Royalty and ad fund debits are read as normal recurring costs, and the payment is sized after them.
Yes. Working capital or equipment financing covers brand-standard POS and shipping software upgrades.
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.
