Franchise funding by sector
You pay workers every Friday and your clients pay in 30 to 60 days. How staffing and B2B franchise owners close that gap.
✓ 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 staffing, business coaching or commercial services franchise and need capital? Merchant Fund Express funds existing B2B franchise owners with business loans, merchant cash advances, revenue-based financing, lines of credit, invoice factoring and working capital. We read client payments and open invoices at the office level, count royalty and ad fund drafts as normal costs, and give a same-day decision on a complete file.
A staffing office pays its placed workers every week, along with payroll taxes and workers' compensation premiums, then invoices the client for those hours. The client pays on its own terms, commonly 30, 45 or 60 days later. Every new client and every added shift widens the gap between cash out and cash in. A staffing owner who wins a large account can be short of payroll money in the very month the office has its best sales.
Other B2B concepts carry different pressures. Business coaching and consulting franchises have light equipment needs but spend ahead on marketing, events and lead generation before retainers start. Commercial service franchises, such as facility services and business supply programs, bill companies monthly and often wait on purchase-order cycles. Merchant Fund Express reads each pattern for what it is and matches the product to it.
| Cost line | Timing | What fits |
|---|---|---|
| Weekly payroll for placed workers | Every Friday, before invoices pay | Invoice factoring against the client invoices |
| Payroll taxes and workers' comp deposits | Each payroll and policy renewal | Working capital |
| Onboarding a large new client | Ramp-up weeks | Line of credit draws |
| Coaching events, seminars and lead generation | Ahead of retainers | Marketing funding |
| Recruiter and sales hires | Growth phase | Term loan for a Tier 1 office |
| Royalty and ad fund drafts | Recurring | Counted before sizing; not a funding purpose |
We have not published individual brand pages for staffing, coaching or commercial service concepts yet, and none is needed. Any operating office can apply. The review reads:
| Office profile | Product | Why |
|---|---|---|
| Office whose payroll runs ahead of 30 to 60 day client terms | Invoice factoring | Grows with the invoice book; leans on the clients who owe |
| Office open 3+ years, FICO 650+, steady client mix | Line of credit | Draw $10,000 or more when needed, interest only on draws |
| Coaching franchise with retainer deposits and a marketing plan | Revenue-based financing | Payments sized to revenue; not a loan |
| Office with an existing advance draining weekly cash | A new structure that can lower the payment | See lowering a franchise MCA payment |
Terms depend on the business's revenue and history. The generic comparison is on invoice factoring vs merchant cash advance.
A hypothetical staffing franchise runs a weekly gross payroll of $32,000 for placed workers. It signs a warehouse client that adds 25 workers and $18,000 a week in payroll, invoiced weekly on net 45 terms.
Figures in this example are illustrations of the arithmetic, not an offer, quote or approval. Real terms depend on the file and the funder.
B2B franchises often hold several territories under one company with one payroll account; that is read as one file. Where offices sit in separate entities, Merchant Fund Express reads each on its own client payments and drafts. Client concentration matters more here than in consumer sectors, so a list of the top clients by billing helps. See franchise units in separate LLCs and multi-unit franchise funding.
No tax returns for a typical first review; full financials usually only above $250,000. Funding runs from $25,000 to $5,000,000. Industry basics are on staffing agency funding.
Yes. Merchant Fund Express funds that gap with invoice factoring, a line of credit or working capital, depending on the office's history and client mix.
It is read, not rejected. For factoring, a large creditworthy client can be a strength; for other products, the review looks at what happens if that client slows.
Yes. The review reads retainer and client deposits, not equipment. Revenue-based financing or working capital fits a coaching office well.
They are counted as normal operating costs, the same as wages, and the new payment is sized after them.
Yes. Existing arrangements are counted. Tell the reviewer which invoices are already assigned so nothing is double-counted.
Scores from 500 are considered; 600+ opens better offers. Tier 1 lines of credit and term loans look for 650+ and 3 or more years in business.
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.
