Short answer
Dunkin' franchise owners with an operating restaurant can apply with Merchant Fund Express for equipment financing, working capital, a line of credit or revenue-based financing from $5,000 to $5,000,000. Typical uses are espresso and brewing equipment, cold storage, drive-thru equipment and inventory. Each restaurant is reviewed on its own deposits and existing payments, and a complete file usually gets a decision in 2–4 hours. Merchant Fund Express is independent of Dunkin' and Inspire Brands.
What Dunkin' owners usually need funded
Espresso and brewers
Espresso machines and brewers run hard through every morning peak.
Drive-thru
Headsets, timers, menu boards and window equipment keep the lane moving.
Cold storage
Dairy, cold-brew and frozen beverages need reliable refrigeration.
Inventory
Coffee, cups and seasonal menu items bought ahead.
Every way to fund your Dunkin' location
Already running a Dunkin' location and need capital? Merchant Fund Express funds existing Dunkin' owners with every structure below, from $5,000 to $5,000,000, on one 4-minute application.
| Product | What it does for a Dunkin' store |
|---|---|
| Business loan | A lump sum for a drive-thru or beverage-station upgrade. Franchise business loans. |
| Merchant cash advance | Fast capital repaid as a share of card and bank deposits, so a slow week takes a smaller bite. Franchise MCA. |
| Revenue-based financing | Payments that track morning-rush and holiday sales instead of a fixed amount. Revenue-based financing. |
| Line of credit | A reusable limit for royalty draws ahead of weekly deposits. Line of credit. |
| Equipment financing | For espresso machines, brewers and cold storage, with the equipment anchoring the deal. Equipment financing. |
| Working capital | For coffee, dairy and bakery stock, repaid from the store's own revenue. Working capital. |
Already carrying an advance? Existing advances are considered, and MCA refinance is there to lower the payment. More owners in your category: Coffee and beverages franchise funding.
Match the need to the funding
| If you need to… | Look at | Why it fits |
|---|---|---|
| Replace an espresso machine | Equipment financing | Quote-driven |
| Upgrade drive-thru equipment | Equipment financing | Asset-backed |
| Stock a seasonal launch | Working capital | One-time |
| Bridge payroll across several restaurants | Line of credit | Per entity |
| Build a new drive-thru restaurant | Not offered | New construction |
What a Dunkin' restaurant's file looks like
Dunkin', part of Inspire Brands, describes more than 14,000 restaurants in nearly 40 global markets. Its franchising page outlines freestanding restaurants of about 1,800 square feet built for single or double drive-thru, ideally with room for a five-car stack plus a preorder stack, and endcaps in mixed-use developments where a drive-thru is favored. Those formats point to where Dunkin' owners spend: drive-thru equipment, brewing and cold storage.
The official page did not publish fees, royalties or investment ranges when we checked, so we have not listed them. Your statements will show what your restaurant pays, and the reviewer works from those. If your site is a dual-brand Dunkin' and Jimmy John's location, say so, since the deposit pattern will run across more dayparts.
How fast it moves, and what to send
- Apply in about 4 minutesName Dunkin' as your brand, give the store address and say what the money is for.
- Upload statements and IDThree months of business bank statements for the entity that owns the store, plus ID for each owner.
- Decision, usually in 2–4 hoursMerchant Fund Express reviews deposits and existing payments and presents the option that fits.
- FundingSame-day funding is available on approved files; funding often lands the next business day.
A worked example (hypothetical)
A Dunkin' owner with two drive-thru restaurants under one LLC needs a new espresso machine at one and a replacement walk-in at the other. They ask for $40,000 with both quotes. A reviewer would read the LLC's deposits and existing payments and might place both items on equipment financing, keeping the term inside each unit's useful life.
Hypothetical illustration of how a file is sized, not a past transaction.
Dunkin' at a glance (public sources)
From Dunkin's franchising page on the Inspire Brands site. It did not list fees or investment figures when we checked.
Sources: Inspire Brands: Dunkin' 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
I already operate a Dunkin' location. Can I apply?
Yes. If the restaurant is operating and depositing revenue, Merchant Fund Express funds open stores like yours.
What documents do I need?
The application, three months of business bank statements and owner ID. No tax returns to apply.
Can I finance espresso and brewing equipment?
Yes. Espresso machines, brewers and refrigeration at an operating restaurant are common requests.
What if I own several Dunkin' restaurants?
Each is reviewed under the entity that owns it. Restaurants under one LLC and account can be reviewed together.
Are you affiliated with Dunkin'?
No. We are a separate, independent company with no tie to Dunkin' or the company that franchises it. Dunkin' is named here only so its owners can find a page written for them.
Keep going
Not affiliated with or endorsed by Dunkin' 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.