Funding for your situation
How funding changes when you are already a franchisee and want a second or third unit.
✓ Checking what you qualify for does not affect your credit score.
As an existing franchisee you have a record, a brand relationship and real deposit history. That helps a funding file. The next unit still needs its own cash for build-out, inventory and runway. Franchisors often have approval steps, territory rules and development schedules that set the timeline.
Merchant Fund Express is a funding marketplace: you apply once, and the file is matched to the structure that fits it. The sections below show what this situation usually costs, how a funder reads it, and what to prepare.
| Cost item | Illustrative amount |
|---|---|
| Development fee for the new unit | $25,000 |
| Build-out and equipment | $140,000 |
| Opening inventory and supplies | $14,000 |
| Manager hire and training | $9,000 |
| Ten weeks of runway payroll | $34,000 |
| Cushion for overruns and slow early weeks (about 10%) | $22,000 |
| Cash needed for the next unit | $244,000 |
Sizing check. If the full repayment shown in an offer were $317,000 over about 26 weeks, the weekly debit would be about $12,192. Against illustrative monthly deposits of $295,000 (about $68,077 a week), that is roughly 18% of weekly deposits. Your own offer states the real repayment amount in dollars; run your numbers on the factor rate calculator before you accept anything.
Source: worksheet by Merchant Fund Express. Illustrative only: these figures are not an offer, and real amounts depend on your file and the funder.
Often lower or credited for existing franchisees.
Sized from your first unit, adjusted for today's prices.
Opening stock ahead of the first sale.
Payroll and a manager while the unit ramps.
These are the same factors described on revenue and deposit requirements and time in business. Merchant Fund Express walks you through how your own file reads before you apply.
A complete file is what makes a same-day decision possible. If something is missing, tell us and we will work around it.
Here is what happens after you apply with Merchant Fund Express: the application is reviewed against the factors on this page, you get a same-day decision on a complete file, and funding is typically the next business day after signing. If something is missing, we say exactly what.
Yes. Strong, steady deposits are the heart of the file, and your franchisor relationship supports the plan.
We can prepare the file in parallel. Ask the franchisor exactly what they need and when.
Many owners use a term loan for the build and working capital for the runway.
The minimum FICO is 500, and better credit means better products and terms. See credit score requirements for how the tiers work.
Merchant Fund Express gives a same-day decision on a complete file. Applying takes a few minutes and will not affect your credit score.
