Short answer
Merchant Fund Express funds operating Church's Texas Chicken restaurants with working capital, a credit line, equipment financing, a merchant cash advance, revenue-based financing or a term loan, from $5,000 to $5,000,000. Typical requests: fryers and breading stations, drive-thru technology, a conversion or end-cap refresh, and crew wages. Send three months of business bank statements with the application; a specialist usually decides within 2–4 hours, with same-day funding available.
Every way to fund your Church's Texas Chicken location
Already running a Church's Texas Chicken 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 Church's Texas Chicken location |
|---|---|
| Business loan | A lump sum for a larger plan, like a Blaze-style refresh of an older store. |
| Merchant cash advance | Quick capital repaid from card sales, lighter in a soft week. |
| Revenue-based financing | Payments that track monthly revenue rather than a fixed figure. |
| Line of credit | A reusable limit for chicken and biscuit-ingredient orders when prices jump. |
| Equipment financing | Fryers, filtration, holding cabinets and drive-thru systems, priced from the quote. |
| Working capital | Crew wages, overtime and repairs between deposits. |
What Church's Texas Chicken owners call about
Small-batch frying
Small-batch frying all day keeps fryers and filtration working every open hour.
A drive-thru stack
Stores are built around the window, so speed depends on boards, headsets and timers.
Ten points to the franchisor
Royalty and marketing together take 10% of gross sales before food, labor or rent.
Format refreshes
Conversion and end-cap units age differently than Blaze stores.
Fastest fit for each Church's Texas Chicken need
| The need | Usually fits | Send with the application |
|---|---|---|
| New fryer bank or filtration | Equipment financing | Vendor quote |
| Poultry order after a price jump | Line of credit | Supplier invoices |
| Payroll in a short week | Working capital | Payroll total per period |
| Drive-thru timer and headset upgrade | Merchant cash advance | Install quote |
| Refresh of a conversion or end-cap store | Business loan | Contractor bid |
What the numbers mean for a Church's owner
Church's publishes a 5% royalty and a 5% marketing fee, and its newer stores are compact drive-thru buildings with a five-car stack. The menu is deliberately limited and built for speed, so the window is the business: when equipment slows service, sales drop the same day.
Merchant Fund Express reads the restaurant's own deposits after the franchisor's 10%, food drafts and current payments. Decisions usually come the same day, so a fryer is replaced before the weekend.
How fast it moves, and what to send
- Apply in about 4 minutesName Church's Texas Chicken 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 Church's Texas Chicken file, start to finish (hypothetical)
A Church's Texas Chicken owner with an end-cap store sees fryer filtration failing and wait times creeping up at the window. They ask for $30,000: $19,000 for a fryer and filtration unit on a dealer quote and $11,000 for a new headset system and a larger chicken order. A specialist could split it between equipment financing and a short working capital amount.
Illustration only. It shows how a request gets sized; it is not a past deal or an offer.
Church's Texas Chicken at a glance (public sources)
From Church's Texas Chicken's 2026 franchising materials. Its pages state different building and lot sizes, so only the building range from the newer one-pager is shown and lot size is left out.
Sources: churchschickenfranchise.com · churchschickenfranchise.com (investment) · churchschickenfranchise.com (Churchs Franchise One Pager 2026 1.pdf) · churchschickenfranchise.com (faq). 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 fast can a Church's Texas Chicken owner get funded?
A complete file usually gets a decision in 2–4 hours. Same-day funding is available.
Can I finance new fryers?
Yes. Fryers, filtration and holding equipment at an operating store are routine equipment requests.
I run a conversion store. Is that treated differently?
No. Every format is funded on its own deposits and time open.
What credit score do I need?
500+ FICO is accepted. No tax returns to apply; three months of statements and owner ID are the core of the file.
Are you affiliated with Church's Texas Chicken?
No. We have no business tie to Church's Texas Chicken or the company that franchises it, and neither has endorsed us. The name is on this page only so Church's Texas Chicken owners can find funding written for their locations.
Keep going
Not affiliated with or endorsed by Church's Texas Chicken 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.