Short answer
Merchant Fund Express funds existing franchise owners in every sector: business loans, merchant cash advances, revenue-based financing, lines of credit, equipment financing and working capital, from $5,000 to $5,000,000. Funding is sized on your location's own bank deposits and time open, not the brand's system numbers. A complete file (application, three months of business bank statements, owner ID) usually gets a decision in 2–4 hours, and same-day funding is available. The one thing it needs is an open, operating location; first-time buyers see existing vs new.
Every product an existing franchise owner needs
One application covers the whole menu. You tell Merchant Fund Express what the store needs and how fast; a specialist reads the deposits and matches the structure. You do not have to pick the product first.
Franchise business loans
The lump sum for the big project. Details.
Merchant cash advance
Fast capital repaid from card and bank deposits. Details.
Revenue-based financing
Payments that move with sales. Details.
Line of credit
Draw, repay, draw again. Details.
Equipment financing
Ovens, lifts, coolers, chairs, printers. Details.
Working capital
Payroll, inventory, repairs, a slow month. Details.
Invoice factoring
For franchises that bill other businesses. Details.
MCA refinance
Lower the payment on an advance you already carry. Details.
Pick your situation
| What is happening at your store | Page | Usually fits |
|---|---|---|
| Opening your next unit | Second location | Capital drawn on the store that is already open |
| Franchisor-required refresh | Remodeling | Working capital plus equipment financing |
| Cooler or walk-in failing | Refrigeration | Equipment financing, same-day decision on a full file |
| New POS, kiosks or kitchen screens | POS upgrades | Equipment financing or working capital |
| Delivery car or service van | Vehicles | Equipment financing for work vehicles |
| Local marketing push | Marketing | Working capital or revenue-based financing |
| Stocking up before a busy season | Inventory / Seasonal cash flow | Working capital, MCA or RBF |
| Already carrying an advance | Already have an advance | Positions considered, not an automatic decline |
| Already have an SBA loan | Already have an SBA loan | Funding alongside it, sized on deposits |
| SBA process too slow | When the SBA is too slow | Decision in 2–4 hours on a complete file |
| Credit below 600 | Credit challenges | 500+ FICO accepted; deposits lead the review |
| Each store in its own LLC | Separate LLCs | Apply per entity, statements per entity |
How fast it moves
- Apply in about 4 minutesBusiness name, the brand you run, how long the location has been open, the amount and what it is for.
- Send statements and IDThree months of business bank statements for the entity that owns the store, plus ID for each owner.
- Decision in 2–4 hoursA specialist reads the deposits and current payments and comes back with the structure that fits.
- FundingSame-day funding is available; funding often lands the next business day.
Want the detail on speed? See fast franchise funding and the requirements.
Every sector, every brand
Food, fitness, automotive, beauty, cleaning, home services, care, hotels and more: Merchant Fund Express funds open franchise locations in all of them. Pick your sector: Sandwich shops, Fitness, Automotive, Pizza, Burgers and drive-thru, Chicken and wings, Quick-service restaurants, Coffee and beverages, Smoothies and juice, Desserts and bakery, Full-service restaurants, Beauty and wellness, Cleaning and restoration, Home services, Shipping and printing, Retail, Pet services, Education and childcare, Senior care, Staffing and B2B services, Moving and junk removal, Hotels, Sports and entertainment, Professional services.
Or go straight to your brand in the brand directory. Brand not listed? Name it on the application; every location is funded on its own deposits.
Not sure which structure? Compare them
What to send
Sole proprietors are eligible. Spanish-speaking support is available, and ITIN applicants are accepted. No tax returns to apply.
What we do not do
Merchant Fund Express funds operating franchise locations. It does not offer startup capital for a store that has not opened, money to purchase a franchise from another owner, or real-estate loans. Opening your next unit while one is already open is different: see Second location. For first-time buyers, the existing vs new guide explains why.
Owner questions, answered
Where can a franchise owner get a business loan fast?
Merchant Fund Express funds open franchise locations from $5,000 to $5,000,000, with a decision in 2–4 hours on a complete file and same-day funding available.
Can a franchise owner get a merchant cash advance?
Yes. Merchant Fund Express offers merchant cash advances to operating franchise locations, repaid as a percentage of daily or weekly card and bank deposits.
What credit score does a franchise owner need?
500+ FICO is accepted. The review leans on the store's deposits and time open.
Do I need my franchisor's permission to apply?
Merchant Fund Express does not require franchisor sign-off. Your franchise agreement may have its own rules about financing or liens, so check it before you sign.
I already have an advance or an SBA loan. Can I still get funded?
Yes. Existing positions and SBA loans are considered, not an automatic decline. List them on the application.
Is Merchant Fund Express tied to any franchise brand?
No. It is a separate, independent company. A brand named on this site tells you who a page is for, nothing more.
Keep going
Merchant Fund Express is a separate company with no franchisor ties. Terms depend on the business's revenue and history.