Short answer
Own a Biggby Coffee store? Merchant Fund Express offers six ways to fund it, from a business loan to equipment financing, between $5,000 and $5,000,000. Owners use it for espresso gear, a drive-thru addition, a lobby refresh, wages in a slow stretch and the cushion a second store needs. A complete file usually gets an answer in 2–4 hours.
Every way to fund your Biggby Coffee location
Already running a Biggby Coffee location and need capital? Merchant Fund Express funds existing franchise owners with every structure below, from $5,000 to $5,000,000, on one application. Terms depend on the business's revenue and history.
| Product | What it does at a Biggby Coffee location |
|---|---|
| Business loan | A lump sum for a drive-thru lane or a full lobby rework. |
| Merchant cash advance | Repaid from daily card batches at counter and window. |
| Revenue-based financing | Payments that ease off when traffic thins. |
| Line of credit | A revolving limit for milk, beans and cups. |
| Equipment financing | Espresso machines, grinders, brewers and refrigeration on a quote. |
| Working capital | Barista payroll and reserves for expansion. |
What Biggby Coffee owners call about
Espresso gear wearing out
Machines and grinders run open to close; when one fails, the window backs up.
A tired lobby
Furniture and counters wear out, and the lobby is half of a two-point store.
Monday drafts
Royalty and ad fees leave every Monday, and owner-operators cover gaps themselves.
Store number two
Owners often grow one store at a time, with store one's cash carrying the opening.
Fastest fit for each Biggby Coffee need
| The need | Usually fits | Send with the application |
|---|---|---|
| Replace an espresso machine | Equipment financing | Vendor quote |
| Lobby furniture and decor | Business loan | Bid or itemized list |
| Payroll in a slow month | Working capital | Payroll per period |
| Opening your next store | Second location | Lease and budget |
| Supply cash between drafts | Line of credit | Supplier invoices |
Reading a Biggby store quickly
Biggby's disclosure document lists a 6% royalty and an advertising fund currently at 3%, drafted weekly. Its cost page budgets $62,000 to $165,000 for furniture, equipment and decor, which is gear that eventually needs replacing.
Merchant Fund Express reads your store's deposits after those drafts, rent and existing payments. Expanding? Apply on the open store; the decision rests on its deposits.
How fast it moves, and what to send
- Apply in about 4 minutesName Biggby Coffee as the brand, the amount and the job the money does.
- Send three months of statementsBusiness bank statements for the entity that owns the location, plus photo ID for each owner.
- Decision in 2–4 hoursA specialist reads deposits and current payments, then returns the fit.
- FundsSame-day funding is available; funding often lands the next business day.
A Biggby Coffee file, start to finish (hypothetical)
A Biggby owner needs a new espresso machine while signing a lease on a second site. They ask for $45,000: $19,000 for the machine on a quote and $26,000 in working capital. A specialist could split it the same way.
Illustration only. It shows how a request gets sized; it is not a past deal or an offer.
Biggby Coffee at a glance (public sources)
From Biggby's franchise site and its April 2026 disclosure document. Its web pages give different store counts, so we show the dated disclosure-document count.
Sources: Wisconsin DFI franchise filing · biggbyfranchising.com (how much does it cost) · biggbyfranchising.com (business models) · biggbyfranchising.com (about us). Checked Oct 2026. Figures change with each disclosure year; confirm current terms with the franchisor. Anything we could not verify is left out.
Owner questions, answered
Can a Biggby owner get funded the same day?
A complete file usually gets a decision in 2–4 hours, and same-day funding is available.
I am a sole proprietor. Am I eligible?
Yes. Sole proprietors and ITIN applicants are eligible; Spanish-speaking support is available.
Can I finance an espresso machine?
Yes. Send the vendor quote; it is a routine request.
Will Monday fee drafts count against me?
They are expected. The specialist subtracts them before sizing a payment, as with rent.
Are you affiliated with Biggby Coffee?
No. We have no business tie to Biggby Coffee or the company that franchises it, and neither has endorsed us. The name is on this page only so Biggby Coffee owners can find funding written for their locations.
Keep going
Not affiliated with or endorsed by Biggby Coffee or its franchisor. Merchant Fund Express is a separate, independent company; the brand appears here so its owners can find this page. Terms depend on the business's revenue and history.