Short answer
Already operating a Freddy's Frozen Custard & Steakburgers restaurant? Merchant Fund Express funds it with a business loan, a merchant cash advance, revenue-based financing, a line of credit, equipment financing or working capital, from $5,000 to $5,000,000. Owners use it for custard machines and flat-top grills, management payroll, patio or drive-thru work and local marketing. Apply in about 4 minutes and send three months of business bank statements for a decision in 2–4 hours.
Every way to fund your Freddy's location
Already running a Freddy's 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 Freddy's location |
|---|---|
| Business loan | A fixed sum for a patio, pick-up area or interior refresh. |
| Merchant cash advance | Fast cash repaid from card sales when the custard machine or griddle goes down. |
| Revenue-based financing | A payment linked to sales for stores with strong summers and quieter winters. |
| Line of credit | A reusable limit for food and dairy orders and the occasional repair. |
| Equipment financing | Custard machines, flat-top griddles, fryers, freezers and order screens. |
| Working capital | Management payroll and local marketing between strong weeks. |
What Freddy's owners call about
Custard and grill together
Two production lines in one kitchen: custard machines on one side, griddles and fryers on the other.
Four to six managers
The franchisor expects a deep management bench, which makes payroll a bigger fixed cost than in many quick-service stores.
Format upgrades
Moving an in-line store toward more off-premise sales can mean new pick-up shelves, screens or lane work.
Local store marketing
A 1.5% marketing fee is modest, so local promotion is often on the owner's own budget.
Fastest fit for each Freddy's need
| The need | Usually fits | Send with the application |
|---|---|---|
| Custard machine or griddle replacement | Equipment financing | Vendor quote |
| Management payroll in a soft quarter | Payroll funding | Payroll register |
| Pick-up shelves and order screens | POS upgrades | Technology quote |
| Patio or interior refresh | Remodel funding | Contractor bid |
| Local marketing push | Revenue-based financing | Campaign budget |
What makes Freddy's numbers different
Freddy's lists a 4.5% royalty and a 1.5% marketing fee, a lighter combined draw than many burger brands. The trade-off is labor: the franchisor expects four to six management personnel per restaurant. Payroll, not royalty, is usually the line that squeezes cash.
The brand builds in three shapes, two of them with a lane and one inside a strip center with none. Stores with a lane tend to carry more equipment and more card volume. Merchant Fund Express sizes funding from the store's own deposits and current payments, and a complete file usually gets an answer the same afternoon.
How fast it moves, and what to send
- Apply in about 4 minutesName Freddy's 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 Freddy's file, start to finish (hypothetical)
A Freddy's owner with an end-cap drive-thru store wants a second custard machine to keep up with evening demand and a cushion for management pay over the winter. They ask for $45,000: $25,000 for the machine on a quote and $20,000 in working capital. A specialist could fund the machine with equipment financing and the payroll piece as working capital repaid from deposits.
Illustration only. It shows how a request gets sized; it is not a past deal or an offer.
Freddy's at a glance (public sources)
From Freddy's official franchising pages and the SBA Franchise Directory. The franchisor's pages give two different sets of liquidity and net worth requirements, so neither is shown, and the current owner of the brand is not confirmed beyond a 2021 statement.
Sources: freddysfranchising.com (faq) · freddysfranchising.com (what it takes) · freddysfranchising.com (about us) · freddysfranchising.com. 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 my Freddy's restaurant be funded?
A complete file usually gets a decision in 2–4 hours, with same-day funding available.
Can I add a second custard machine?
Yes. Equipment financing on a vendor quote is the usual route at an operating restaurant.
Does it matter whether my store has a drive-thru?
Only through its deposits. Merchant Fund Express reads what your store actually takes in, whatever the format.
What do I need to apply?
The 4-minute application, three months of business bank statements and owner ID. No tax returns to apply.
Are you affiliated with Freddy's?
No. We have no business tie to Freddy's or the company that franchises it, and neither has endorsed us. The name is on this page only so Freddy's owners can find funding written for their locations.
Keep going
Not affiliated with or endorsed by Freddy's 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.