Short answer
Own a Gong cha store? Merchant Fund Express has six structures for it, from a line of credit to equipment financing, sized $5,000 to $5,000,000. Typical needs: a replacement beverage maker or kiosk, tea and tapioca stock, wages through a slow season and a refresh of a mall or campus store. A complete file usually gets a decision in 2–4 hours.
Every way to fund your Gong cha location
Already running a Gong cha 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 Gong cha location |
|---|---|
| Business loan | A lump sum for a refresh or a move to a bigger space. |
| Merchant cash advance | Repaid from card sales, which dominate at a tea counter. |
| Revenue-based financing | Lighter payments over a quiet campus summer. |
| Line of credit | A reusable limit for tea, tapioca and cups. |
| Equipment financing | Beverage maker, kiosks, sealers and refrigeration on a quote. |
| Working capital | Staff wages and promotions between busy seasons. |
What Gong cha owners call about
The beverage maker
Every store depends on it, and a replacement ships from overseas, so owners pay ahead.
Proprietary ingredients
Tea and tapioca come from the franchisor's supplier, bought before sales.
Kiosks and POS
Kiosks, printers and POS must stay synced with the beverage maker.
Campus and mall seasons
Sales rise and fall with the semester and the holidays.
Fastest fit for each Gong cha need
| The need | Usually fits | Send with the application |
|---|---|---|
| Replace the beverage maker | Equipment financing | Supplier quote |
| Kiosk or POS hardware | POS upgrades | Hardware quote |
| Tea and tapioca before a busy term | Line of credit | Supplier invoice |
| Summer slowdown on campus | Seasonal cash flow | Three months of statements |
| Store refresh or relocation | Business loan | Contractor bid |
Why Gong cha owners want an answer fast
The 2026 disclosure document puts the beverage maker at $13,000 to $15,000 shipped from China, and warns tariffs could lift the top of that range. The required technology package adds kiosks, printers and monthly software fees.
So a failed machine is a cash event, not just a repair. Merchant Fund Express reads your store's own deposits and current payments and can size equipment financing or working capital the same day.
How fast it moves, and what to send
- Apply in about 4 minutesName Gong cha 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 Gong cha file, start to finish (hypothetical)
A Gong cha owner near a university needs a second beverage maker before fall term plus extra tea and tapioca. They ask for $30,000: $15,000 for the machine and $15,000 for ingredients and staff hours. A specialist could finance the machine and set a line for ingredients.
Illustration only. It shows how a request gets sized; it is not a past deal or an offer.
Gong cha at a glance (public sources)
From Gong cha's US franchise site and its March 2026 disclosure document. Its investment range differs between sources, so it is left out; where the fee changed over time, the 2026 figure is shown.
Sources: cards.web.commerce.state.mn.us (download) · gong-cha.com (franchise). 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 Gong cha beverage maker?
Yes. Send the supplier quote; it is a routine equipment request.
My campus store slows in summer. Can I still qualify?
Yes. Seasonal swings are normal. A note on your calendar helps.
How fast is the decision?
Usually 2–4 hours on a complete file, with same-day funding available.
Do you accept ITIN applicants?
Yes, along with sole proprietors. Spanish-speaking support is available.
Are you affiliated with Gong cha?
No. We have no business tie to Gong cha or the company that franchises it, and neither has endorsed us. The name is on this page only so Gong cha owners can find funding written for their locations.
Keep going
Not affiliated with or endorsed by Gong cha 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.