Short answer
Own a Cinnabon bakery? Merchant Fund Express funds it six ways, from equipment financing to revenue-based financing, for $5,000 to $5,000,000. Owners use it for ovens, proofers and mixers, a kiosk or bakery refresh, holiday staffing and stock, and adding the Carvel co-brand. Send three months of business bank statements and expect a decision usually within 2–4 hours.
Every way to fund your Cinnabon location
Already running a Cinnabon 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 Cinnabon location |
|---|---|
| Business loan | A lump sum for a bakery refresh or co-brand fit-out. |
| Merchant cash advance | Repaid as a share of card sales from the concourse. |
| Revenue-based financing | Payments that track travel and shopping seasons. |
| Line of credit | A reusable limit for dough, icing and packaging stock. |
| Equipment financing | Ovens, proofers, mixers and display cases on a quote. |
| Working capital | Holiday staffing and the slow weeks after. |
What Cinnabon owners call about
Ovens and proofers
The smell sells the roll. When an oven or proofer fails, the bakery loses its best salesperson.
Traffic you do not control
Airports, malls and travel plazas rise and fall with schedules and seasons.
Refresh requirements
Landlords and venue operators set fit-out standards, often at renewal time.
Carvel co-brand
Adding Carvel means freezers and counter space before it earns anything.
Fastest fit for each Cinnabon need
| The need | Usually fits | Send with the application |
|---|---|---|
| Oven or proofer replacement | Equipment financing | Vendor quote |
| Refresh at lease renewal | Remodel funding | Landlord scope |
| Holiday stock and staff | Inventory funding | Supplier order |
| Carvel co-brand addition | Business loan | Budget and quotes |
| Payments that follow traffic | Revenue-based financing | Three months of statements |
What a fast Cinnabon decision needs
By the franchisor's December 2025 count, 1,310 franchises operate, 267 of them in enclosed malls; the rest sit largely in airports, travel plazas and other high-traffic venues. That puts landlords and venue schedules at the center of each bakery's cash.
Merchant Fund Express reads your bakery's deposits after rent and current payments and usually comes back within hours. Venue units often have percentage rent or concession fees; list them so the payment is sized realistically.
How fast it moves, and what to send
- Apply in about 4 minutesName Cinnabon 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 Cinnabon file, start to finish (hypothetical)
A Cinnabon owner in an airport concourse loses a proofer just as the venue asks for a counter refresh. They ask for $36,000: $11,000 for the proofer and $25,000 for the refresh. A specialist could finance the proofer and place the refresh on a business loan.
Illustration only. It shows how a request gets sized; it is not a past deal or an offer.
Cinnabon at a glance (public sources)
From the franchisor's development pages and its parent company's site. The parent quotes a larger worldwide figure with a different scope, so we show the dated franchisor count.
Sources: development.gotofoods.com (cinnabon) · gotofoods.com (franchising). 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 I finance a Cinnabon oven or proofer?
Yes. Send the vendor quote; it is a routine request.
My bakery is in an airport. Is that a problem?
No. Venue units are reviewed on their own deposits like any other location.
How fast is the decision?
Usually 2–4 hours on a complete file, with same-day funding available.
What credit score do I need?
500+ FICO is accepted, and no tax returns are needed to apply.
Are you affiliated with Cinnabon?
No. We have no business tie to Cinnabon or the company that franchises it, and neither has endorsed us. The name is on this page only so Cinnabon owners can find funding written for their locations.
Keep going
Not affiliated with or endorsed by Cinnabon 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.