Short answer
Own a Checkers? Merchant Fund Express covers open restaurants with a business loan, a merchant cash advance, revenue-based financing, a line of credit, equipment financing or working capital, from $5,000 to $5,000,000. The usual asks are fryers and grills, walk-up and drive-thru window equipment, modular building repairs, crew payroll and co-op advertising. Apply in about 4 minutes, send three months of business bank statements, and expect a decision in 2–4 hours on a complete file.
Every way to fund your Checkers location
Already running a Checkers 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 Checkers location |
|---|---|
| Business loan | A set amount for a planned refresh of the building, canopy or signage. |
| Merchant cash advance | Fast cash repaid from daily card sales, sized for an urgent lane repair. |
| Revenue-based financing | Payments that follow sales, useful when weather drives traffic. |
| Line of credit | A revolving limit for food deliveries and co-op invoices. |
| Equipment financing | Fryers, grills, holding units, headsets and drive-thru menu boards on a quote. |
| Working capital | Crew wages and day-to-day costs in a slower month. |
What Checkers owners call about
Small box, hard-working gear
A double drive-thru moves volume through a compact kitchen. Fryers and grills run near capacity every shift.
Both lanes have to stay open
A broken headset, window or menu board on one lane cuts the store's capacity in half.
Co-op advertising bills
Total advertising runs 4.5% of net sales, and each market's co-op sets its own fees.
Exterior wear
Walk-up canopies, outdoor seating and signage take weather damage that customers notice first.
Fastest fit for each Checkers need
| The need | Usually fits | Send with the application |
|---|---|---|
| Fryer or grill replacement | Equipment financing | Vendor quote |
| Headsets or lane menu boards | POS upgrades | Technology quote |
| Canopy, paint and signage refresh | Remodel funding | Contractor bid |
| Co-op advertising push | Marketing funding | Campaign or co-op invoice |
| Payroll during a rainy month | Working capital | Payroll per period |
How a Checkers file gets read
Checkers charges a 4% royalty on net sales and requires total advertising of 4.5% of net sales, with co-op fees set market by market. The franchisor runs about 30% of its locations itself and tests changes there first, which often means new equipment or menu requirements reach franchisees as a rollout with a deadline.
A double drive-thru produces many small card transactions every day. That steady rhythm reads well on bank statements and suits products repaid from deposits. Merchant Fund Express subtracts the royalty, advertising and current payments, then sizes the new payment. If the request is tied to a franchisor rollout, attach the notice so the specialist sees the deadline.
How fast it moves, and what to send
- Apply in about 4 minutesName Checkers 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 Checkers file, start to finish (hypothetical)
A Checkers owner's second fryer fails the same week the co-op announces a summer campaign. They ask for $26,000: $14,000 for the fryer on a vendor quote and $12,000 to cover the co-op bill and extra crew hours. A specialist could fund the fryer with equipment financing and the rest as a short working capital amount repaid from daily card sales.
Illustration only. It shows how a request gets sized; it is not a past deal or an offer.
Checkers at a glance (public sources)
From the Checkers & Rally's franchising pages. The franchisor's pages state two different net worth and liquidity figures, so neither is shown; the fee range shown is the one in its FAQ.
Sources: checkersfranchising.com (frequently asked questions) · checkersfranchising.com (our building) · checkersfranchising.com (why 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
How quickly can a Checkers restaurant be funded?
A complete file usually gets a decision in 2–4 hours. Same-day funding is available.
Can I finance drive-thru headsets and menu boards?
Yes. Lane technology at an operating restaurant is a normal equipment financing request; send the quote.
I run both Checkers and Rally's stores. One application?
Apply per entity. If both brands sit in one LLC with one account, they are reviewed together.
My credit is not perfect. Can I still apply?
Yes. 500+ FICO is accepted, and the restaurant's deposits carry most of the weight.
Are you affiliated with Checkers?
No. We have no business tie to Checkers or the company that franchises it, and neither has endorsed us. The name is on this page only so Checkers owners can find funding written for their locations.
Keep going
Not affiliated with or endorsed by Checkers 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.