Merchant Fund Express
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Funding for Franchise Owners

Royalties, required upgrades and daily sales all show up in your statements. We read them the way a franchise actually runs.

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Franchise Funding

Brand requirements arrive on their schedule, not yours

Remodels, new equipment packages, payroll during a slow rollout. Funding from $25,000 to $5,000,000 for established franchise units.

As fast as
24 hours

Amount to request

$85,000.00

Funding range$25K to $5M

*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.

Funding that fits franchise life

Five minutes, no tax returns

Apply with about three months of business bank statements. No tax returns needed.

FICO 500+ considered

Your unit's deposits carry real weight alongside credit, which we consider from 500 up.

Know the total before you sign

The full repayment amount appears in your offer before you accept. No surprise costs after you sign.

Payments next to your royalties

Your repayment schedule is laid out in the offer so you can plan it beside royalty and ad fund debits.

Need capital this week?

Fast decisions. Applying takes about 5 minutes.

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How it works

Apply in minutes

A short application. A soft credit pull to start.

Fast decision

We review revenue, time in business and bank activity, not just a credit score.

Review your offer

You see the amount, the schedule and the full repayment amount before you sign.

Get funded

Funding in as little as 24 hours for qualified businesses.

Franchise industries we see often

Franchise owners come to us from quick-service and casual dining, fitness studios, home services like cleaning, painting and restoration, auto care, tutoring and childcare, and retail concepts. The common thread is the same: steady daily or weekly deposits, regular fees to the franchisor, and periodic brand-driven spending that does not wait for a convenient month. Because the business model is standardized, a reviewer can usually follow the cash flow quickly, which helps keep the process moving. What changes from owner to owner is the strength of each unit's deposits and how much is already committed to existing payments. That is where the offer size comes from.

Franchise owners have a particular cash rhythm

Running a franchise means sales come in daily while royalties, ad fund contributions and approved-vendor invoices go out on a schedule you do not fully control. Then the brand rolls out a new menu board, a POS upgrade or a remodel requirement, and the bill lands on you. We work with established franchise units that have steady deposits, and we size offers from what your account actually shows.

How funders read a franchise file

Which product for which franchise need

Equipment financing suits required equipment upgrades such as ovens, fryers, or fitness machines. Working capital covers payroll and inventory during a remodel slowdown. A business line of credit handles recurring needs like seasonal staffing. Funding ranges from $25,000 to $5,000,000, depending mainly on deposits and existing obligations.

We fund established units. If you are opening a second unit, see funding for a second location.

Example and next step

For illustration: a quick-service franchise owner faces a required kitchen package. Their statements show daily card settlements, weekly royalty debits, and a steady balance. That file reads cleanly, and the purpose is easy to follow. Pull three months of business bank statements and apply in about five minutes. No tax returns required.

Frequently Asked Questions

Do royalty payments count against me?

They are treated as existing obligations, which affect the amount. Regular royalty and ad fund debits are expected in a franchise file.

Do I need franchisor approval to apply?

Check your franchise agreement for any rules on outside financing. We review your business bank statements and credit to size an offer.

Can you fund a brand-required remodel?

Remodels and required equipment upgrades are common uses. Equipment financing or working capital may fit, depending on the need.

Can I fund a brand new franchise unit?

We are built for established businesses with steady deposits. A new unit opened by an owner of existing units can be discussed based on current deposits.

How fast is funding?

Qualified businesses can be funded in as little as 24 hours.

Kitchen package $95,000.00
POS upgrade $30,000.00
Remodel payroll $55,000.00
Signage refresh $38,000.00

Example uses for illustration only.

How to improve your chances

A few habits keep franchise statements easy to read.

  • Keep each unit's revenue in its own account
  • Stay current on royalty and ad fund payments
  • Keep brand upgrade notices to explain the purpose
  • Build a cushion before scheduled remodel dates

Franchise funding: us vs. a bank

Merchant Fund Express
Traditional bank loans
Royalty debits
Counted as known obligations
Can complicate ratios
Documents
About three months of statements
Financials, tax returns
Credit considered
FICO 500+
Usually higher
Application
About 5 minutes
Long underwriting
Speed
As little as 24 hours if qualified
Weeks

Brand upgrade coming? Start here

One secure application. A soft credit pull to start. No obligation to accept an offer.

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