Short answer
Own a Crumbl bakery? Merchant Fund Express funds it six ways, from equipment financing to a line of credit, for $5,000 to $5,000,000. Owners use it for ovens, mixers and coolers, weekly ingredient swings, delivery and catering staffing, and the cash to take over an operating store. A complete file with three months of business bank statements usually gets a decision in 2–4 hours.
Every way to fund your Crumbl location
Already running a Crumbl 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 Crumbl location |
|---|---|
| Business loan | A lump sum for a kitchen or front-of-house refresh. |
| Merchant cash advance | Repaid as a share of card and app settlements. |
| Revenue-based financing | Payments that move with weekly sales. |
| Line of credit | A reusable limit for the changing ingredient order. |
| Equipment financing | Ovens, mixers, coolers and display cases on a vendor quote. |
| Working capital | Bakers, delivery staff and catering-week labor. |
What Crumbl owners call about
Ovens and mixers
Cookies bake in an open kitchen all day; a failed oven or mixer is visible to every customer.
A weekly rotating menu
New flavors each week mean ingredient orders that change every week.
App, delivery and catering
Much of the ordering runs through the app, with delivery staff and catering peaks to cover.
Stores changing hands
Operating stores are sold to new owners, who need cash for upgrades after closing.
Fastest fit for each Crumbl need
| The need | Usually fits | Send with the application |
|---|---|---|
| Oven or mixer replacement | Equipment financing | Vendor quote |
| Weekly ingredient swings | Line of credit | Recent supplier invoices |
| Catering and gifting peaks | Seasonal cash flow | Order calendar |
| Kitchen refresh | Business loan | Contractor bid |
| Delivery staff payroll | Working capital | Payroll per period |
What a fast Crumbl decision rests on
Crumbl publishes little about fees on its franchising page, so this page does not quote them. The review does not need them: Merchant Fund Express reads your bakery's own deposits, including app and delivery settlements, and subtracts rent and current payments.
Because app settlements can land on a different schedule from in-store card sales, say which processors pay into the account. Bought an operating store recently? Apply once deposits are flowing under your entity.
How fast it moves, and what to send
- Apply in about 4 minutesName Crumbl 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 Crumbl file, start to finish (hypothetical)
A Crumbl owner's second oven fails before a holiday gifting week. They ask for $24,000: $15,000 for the oven on a quote and $9,000 for extra ingredients and staff. A specialist could finance the oven and set a short line for the week's orders.
Illustration only. It shows how a request gets sized; it is not a past deal or an offer.
Crumbl at a glance (public sources)
From Crumbl's franchising page. Its fees, royalty, investment and store count could not be confirmed from an official source, so they are left out.
Sources: crumblcookies.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 Crumbl oven?
Yes. Send the vendor quote; it is a routine request.
Most of my sales come through the app. Is that a problem?
No. App and delivery settlements count as deposits. Note which apps pay in.
I just bought an operating Crumbl. Can I apply?
Yes, once deposits flow into your business account under your entity.
How fast is the decision?
Usually 2–4 hours on a complete file, with same-day funding available.
Are you affiliated with Crumbl?
No. We have no business tie to Crumbl or the company that franchises it, and neither has endorsed us. The name is on this page only so Crumbl owners can find funding written for their locations.
Keep going
Not affiliated with or endorsed by Crumbl 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.