Short answer
Merchant Fund Express funds existing Hardee's franchisees 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 ask for biscuit ovens and mixers, charbroilers and fryers, early-shift payroll, drive-thru upgrades and dining-room refreshes. Send the application and three months of business bank statements; a decision usually follows within 2–4 hours.
Every way to fund your Hardee's location
Already running a Hardee'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 Hardee's location |
|---|---|
| Business loan | A fixed sum for an older restaurant's interior, roof or HVAC project. |
| Merchant cash advance | Fast capital repaid from daily card sales when the biscuit oven fails. |
| Revenue-based financing | A share of monthly sales, so payments follow the breakfast trade. |
| Line of credit | A revolving limit for flour, chicken and paper ordered ahead of a busy week. |
| Equipment financing | Biscuit ovens, mixers, charbroilers, breading stations and fryers. |
| Working capital | Early-shift wages and the day-to-day running costs. |
What Hardee's owners call about
Breakfast starts at 4 a.m.
Scratch biscuits baked in batches all morning mean ovens, mixers and proofing gear that cannot miss a day.
Early-shift payroll
Dedicated biscuit makers and an early crew add labor hours before the first customer pulls in.
Charbroiled burgers and hand-breaded chicken
Broilers, breading tables and fryers carry the lunch and dinner menu.
Older buildings
A brand with deep roots in the Midwest and Southeast has many restaurants due for roof, HVAC or interior work.
Fastest fit for each Hardee's need
| The need | Usually fits | Send with the application |
|---|---|---|
| Replace a biscuit oven or mixer | Equipment financing | Vendor quote |
| HVAC or roof on an older building | Business loan | Contractor bid |
| Early-crew payroll in a slow month | Payroll funding | Payroll per period |
| Drive-thru order screens | POS upgrades | Technology quote |
| Stocking up ahead of a holiday rush | Line of credit | Supplier order |
The breakfast effect on a Hardee's file
Hardee's builds its morning around scratch biscuits: dedicated bakers arrive at four in the morning and turn out a new batch every quarter hour. That routine shows up in the bank account as a long, steady stream of morning card sales, and in the expense column as early labor and oven wear.
Merchant Fund Express reads those deposits directly, subtracts what the restaurant already pays each month and sizes a structure the store can carry. If you run several Hardee's restaurants, or both Hardee's and Carl's Jr. units under the same parent franchisor, each entity is reviewed on its own statements. A complete file usually gets an answer in hours.
How fast it moves, and what to send
- Apply in about 4 minutesName Hardee'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 Hardee's file, start to finish (hypothetical)
A Hardee's owner's biscuit oven is failing and the dining room ceiling needs repair after a roof leak. They ask for $52,000: $19,000 for a replacement oven on a dealer quote and $33,000 for the roof and ceiling work. A specialist could put the oven on equipment financing and the building repair on a business loan, sized from the restaurant's morning-heavy deposits.
Illustration only. It shows how a request gets sized; it is not a past deal or an offer.
Hardee's at a glance (public sources)
From Hardee's own site and CKE Restaurants' corporate site. Hardee's franchising pages refused connections when we checked, so its fees, royalty, investment and formats are not shown here.
Sources: ckr.com · hardees.com (about us). 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 is funding for a Hardee's restaurant?
A complete file usually gets a decision in 2–4 hours. Same-day funding is available, and funding often lands the next business day.
Can I finance a biscuit oven?
Yes. Kitchen equipment at an operating restaurant is a standard equipment financing request; send the quote.
I own Hardee's and Carl's Jr. stores. Can I apply for both?
Yes. Apply per entity. Stores that share one LLC and bank account are reviewed together.
Is a 500 credit score enough to apply?
500+ FICO is accepted. The restaurant's deposits and time open matter most.
Are you affiliated with Hardee's?
No. We have no business tie to Hardee's or the company that franchises it, and neither has endorsed us. The name is on this page only so Hardee's owners can find funding written for their locations.
Keep going
Not affiliated with or endorsed by Hardee'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.