Short answer
Merchant Fund Express funds operating Golden Chick restaurants through a term loan, a credit line, equipment financing, working capital, an advance on card sales or revenue-based payments, from $5,000 to $5,000,000. Owners use it for fryers and rotisserie ovens, marinade and breading prep, a store refresh and payroll for a team that serves dine-in, drive-thru and delivery. A complete file usually gets a decision in 2–4 hours, with same-day funding available.
Every way to fund your Golden Chick location
Already running a Golden Chick 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 Golden Chick location |
|---|---|
| Business loan | A lump sum for a planned project, such as a remodel or a new drive-thru lane. |
| Merchant cash advance | Fast cash repaid as a share of card receipts, smaller in a soft week. |
| Revenue-based financing | Payments that move with monthly sales, handy while a newer market builds traffic. |
| Line of credit | A reusable limit for chicken, catfish and breading supplies. |
| Equipment financing | Fryers, rotisserie ovens, holding units and refrigeration, from the vendor quote. |
| Working capital | Training wages, marketing and repairs between paydays. |
What Golden Chick owners call about
A wider kitchen
Tenders, roast chicken and catfish need fryers and roasting gear, each with its own upkeep.
Four ways to order
Dine-in, drive-thru, take-out and third-party delivery all hit the same line at the same time.
Training before you can staff up
The franchisor describes classroom hours plus 160 hours on the job, so new hires cost money before they are fully productive.
Growing in an emerging market
Newer markets need more local marketing.
Fastest fit for each Golden Chick need
| The need | Usually fits | Send with the application |
|---|---|---|
| Rotisserie oven or fryer replacement | Equipment financing | Vendor quote |
| Catfish and chicken orders | Line of credit | Supplier invoices |
| Training wages for new hires | Working capital | Payroll total per period |
| Awareness campaign in a new market | Revenue-based financing | Campaign budget |
| Dining room or drive-thru update | Business loan | Contractor bid |
Where a Golden Chick owner's cash goes
Golden Chick's franchise site credits the brand with originating Golden Tenders, and the menu reaches past fried chicken to roast chicken and catfish. Stores come as ground-up freestanding units, conversions and end caps, all serving several order channels. More menu means more equipment and more staff at peaks.
Merchant Fund Express reads the restaurant's own deposits, accounts for current payments and returns an answer the same day on a complete file, so a broken oven or a hiring push is funded while it still matters.
How fast it moves, and what to send
- Apply in about 4 minutesName Golden Chick 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 Golden Chick file, start to finish (hypothetical)
A Golden Chick owner in an emerging market wants to replace a worn rotisserie oven and fund a radio and social push for a slow autumn. They ask for $32,000: $18,000 for the oven on a dealer quote and $14,000 for the campaign. A specialist could place the oven on equipment financing and the campaign on revenue-based financing that follows monthly sales.
Illustration only. It shows how a request gets sized; it is not a past deal or an offer.
Golden Chick at a glance (public sources)
From Golden Chick's official franchising pages and its 2024 disclosure. An older investment range on the franchisor's FAQ conflicts with the 2024 figures, so only the dated 2024 ranges are shown; royalty and advertising rates are left out because no current figure was confirmed.
Sources: goldenchickfranchising.com (2024 FDD Item 7 Only 1.pdf) · goldenchickfranchising.com (franchising costs and fees) · goldenchickfranchising.com · goldenchickfranchising.com (brand enhancement multi unit). 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 Golden Chick get funded?
A complete file usually gets a decision in 2–4 hours, and funding often lands the next business day.
Can I finance a rotisserie oven?
Yes. Roasting and frying equipment at an operating restaurant is a routine equipment request. Send the quote.
Do delivery-app payouts count as revenue?
Yes. Include the account they land in so the specialist sees the full picture.
Can I apply as a sole proprietor?
Yes. Sole proprietors are eligible, and Spanish-speaking support is available.
Are you affiliated with Golden Chick?
No. We have no business tie to Golden Chick or the company that franchises it, and neither has endorsed us. The name is on this page only so Golden Chick owners can find funding written for their locations.
Keep going
Not affiliated with or endorsed by Golden Chick 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.