Short answer
Jersey Mike's owners with an open location can apply with Merchant Fund Express for equipment financing, working capital, a line of credit or revenue-based financing from $5,000 to $5,000,000. Owners typically fund slicers and cold storage, lunch-rush staffing, catering inventory and refresh work. Your store is reviewed on its own deposits and existing payments, and a complete file usually gets a decision in 2–4 hours. Merchant Fund Express has no affiliation with Jersey Mike's.
What Jersey Mike's owners usually need funded
Slicers and cold cases
A slice-in-front-of-you format makes slicers and display refrigeration mission-critical.
Lunch-rush labor
Peak hours need a full line; scheduling that many people costs money before revenue clears.
Catering and box lunches
Bulk orders need product purchased up front.
Site refresh
Patio seating, signage and interior updates.
Every way to fund your Jersey Mike's location
Already running a Jersey Mike's location and need capital? Merchant Fund Express funds existing Jersey Mike's owners with every structure below, from $5,000 to $5,000,000, on one 4-minute application.
| Product | What it does for a Jersey Mike's store |
|---|---|
| Business loan | A lump sum for a slicing-line overhaul or a second unit's share of costs. 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 school-break and weather sales instead of a fixed amount. Revenue-based financing. |
| Line of credit | A reusable limit for lunch-rush staffing before deposits settle. Line of credit. |
| Equipment financing | For slicers, grills and refrigeration, with the equipment anchoring the deal. Equipment financing. |
| Working capital | For meat, bread and produce orders, 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 slicer or deli case | Equipment financing | Asset-backed, quote-driven |
| Staff up for a busy season | Payroll funding | Working capital or line |
| Stock for a large box-lunch order | Working capital | Repaid from the order |
| Add or refresh outdoor seating | Remodel funding | Finish work and furniture |
| Fund a new Jersey Mike's build | Not offered | Startup capital |
What a reviewer sees in a Jersey Mike's file
Jersey Mike's real-estate criteria describe stores of about 1,200 to 1,800 square feet with strong parking and outdoor seating favored, typically on busy roads. That usually means a high share of lunch traffic and a lot of card transactions in a short window. Deposits from stores like that tend to be steady and predictable, which helps a review.
We could not find royalty or advertising percentages on Jersey Mike's official public pages, so we have not listed them. When you apply, your bank statements will show the fees your store actually pays, and the reviewer will use those rather than any published figure. If you also run catering, a short note about how large orders are paid saves back-and-forth.
How fast it moves, and what to send
- Apply in about 4 minutesName Jersey Mike's 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 two Jersey Mike's stores under separate LLCs wants to replace a slicer and a deli case at the busier store before summer. They apply under that store's LLC for $16,000 with the vendor quote attached. The reviewer would look only at that entity's deposits and payments and could size equipment financing so the payment sits comfortably inside a normal week.
Hypothetical illustration of how a file is sized, not a past transaction.
Jersey Mike's at a glance (public sources)
Jersey Mike's official public pages did not publish franchise fees, royalties or investment ranges when we checked, so none are shown.
Sources: Jersey Mike's investors · History · Real-estate requirements. 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 Jersey Mike's location. Can I apply?
Yes. If the store is open and depositing revenue, Merchant Fund Express funds open stores like yours.
What documents do I need?
The application, three months of business bank statements and ID for each owner, plus a quote if you are buying equipment.
Can I finance a new slicer or deli case?
Yes. Those are common equipment financing requests for an operating store.
I own more than one Jersey Mike's. How does that work?
Each store is reviewed under the entity that owns it. Stores sharing one LLC and account can be reviewed together.
Are you affiliated with Jersey Mike's?
No. We are a separate, independent company with no tie to Jersey Mike's or the company that franchises it. Jersey Mike's is named here only so its owners can find a page written for them.
Keep going
Not affiliated with or endorsed by Jersey Mike'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.