Short answer
If you operate a Firehouse Subs location, Merchant Fund Express funds it with working capital, equipment financing, a line of credit or revenue-based financing from $5,000 to $5,000,000. Typical uses are refrigeration and food-prep equipment, catering inventory, payroll and refresh work. The review uses your store's deposits and existing payments, not system averages, and a complete file usually gets a decision in 2–4 hours. Merchant Fund Express is independent of Firehouse Subs.
What Firehouse Subs owners usually need funded
Refrigeration and prep
Walk-ins, reach-ins and the steamer-and-slicer line that a hot-sub menu depends on.
Catering orders
Large office and event orders that need food and packaging bought before the invoice is paid.
Drive-thru formats
Owners of drive-thru units carry extra equipment and staffing at the window.
Refresh and repairs
Interior updates, signage and the repairs that come with a busy kitchen.
Every way to fund your Firehouse Subs location
Already running a Firehouse Subs location and need capital? Merchant Fund Express funds existing Firehouse Subs owners with every structure below, from $5,000 to $5,000,000, on one 4-minute application.
| Product | What it does for a Firehouse Subs store |
|---|---|
| Business loan | A lump sum for a drive-thru refit or a full dining-room refresh. 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 summer and catering-season sales instead of a fixed amount. Revenue-based financing. |
| Line of credit | A reusable limit for payroll that lands before the weekend's card batches clear. Line of credit. |
| Equipment financing | For walk-ins, steamers and slicers, with the equipment anchoring the deal. Equipment financing. |
| Working capital | For catering inventory and packaging, 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: Sandwich shops franchise funding.
Match the need to the funding
| If you need to… | Look at | Why it fits |
|---|---|---|
| Replace a failing walk-in or steamer | Equipment financing | The equipment supports the deal |
| Buy ahead for a big catering week | Working capital | One-time, repaid from the order revenue |
| Cover payroll between card settlements | Line of credit | Draw only for the gap |
| Fund a dining-room refresh | Remodel funding | Split equipment from finish work |
| Open your first Firehouse Subs | Not offered | Startup capital; see existing vs new |
What makes a Firehouse Subs file different
Firehouse Subs publishes a 6% royalty on gross sales and a 5% contribution to national and local marketing funds, so roughly 11% of sales leaves before rent, food and labor. A reviewer accounts for that when sizing a payment. The brand also runs three formats, from in-line stores to free-standing units with a drive-thru, and its own materials note that drive-thru units cost more to build. Owners of those units often carry more equipment, and more equipment payments, than in-line stores.
For you, that means two things. List any existing equipment or build-out payments up front so the new payment is sized realistically. And if you run catering, send a short note on your catering calendar; large corporate orders create lumpy deposits that read better with context.
How fast it moves, and what to send
- Apply in about 4 minutesName Firehouse Subs 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)
An owner of one in-line Firehouse Subs location sees the walk-in cooler failing in early summer and has two large catering orders booked. They ask for $30,000: $18,000 for the cooler on a vendor quote and $12,000 for catering inventory and the extra labor. A reviewer would look at average monthly deposits, subtract the royalty and marketing share and existing payments, and might place the cooler on equipment financing and the rest as a smaller working capital amount.
Hypothetical illustration of how a file is sized, not a past transaction.
Firehouse Subs at a glance (public sources)
Facts below come from the franchisor's own public franchising pages. They describe the brand, not your store, and are not evidence of any relationship with Merchant Fund Express.
Sources: Firehouse Subs franchising: about · Investment · FAQs · RBI brands. 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 Firehouse Subs location. Can I apply?
Yes. An open store with revenue flowing into a business bank account is exactly what the review is built for.
What documents does a Firehouse Subs owner need?
The application, three months of business bank statements and ID for each owner. Add an equipment quote if relevant. No tax returns to apply.
Can I finance new equipment for my Firehouse Subs?
Yes. Refrigeration, steamers, slicers and other kitchen equipment at an operating store are common requests.
What if I own several Firehouse Subs locations?
Each location is reviewed under the entity that owns it. If all stores share one LLC and account, they are reviewed together.
Are you affiliated with Firehouse Subs?
No. We are a separate, independent company with no tie to Firehouse Subs or the company that franchises it. Firehouse Subs is named here only so its owners can find a page written for them.
Keep going
Not affiliated with or endorsed by Firehouse Subs 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.