Short answer
If you operate a Jimmy John's location, Merchant Fund Express funds it with working capital, equipment financing, a line of credit or revenue-based financing from $5,000 to $5,000,000. Common uses are delivery staffing, bread-baking and refrigeration equipment, drive-thru upgrades and payroll timing. The review is based on your store's deposits and existing payments; a complete file usually gets a decision in 2–4 hours. Merchant Fund Express is independent of Jimmy John's and Inspire Brands.
What Jimmy John's owners usually need funded
Delivery staffing
In-house delivery means drivers on the clock during every rush.
Bread and refrigeration
Bread baked in store plus cold storage for fresh-sliced meats and vegetables.
Drive-thru formats
Newer freestanding and small-format units are designed around a drive-thru.
Dual-brand sites
Some owners run combined Jimmy John's and Dunkin' locations with all-day traffic.
Every way to fund your Jimmy John's location
Already running a Jimmy John's location and need capital? Merchant Fund Express funds existing Jimmy John's owners with every structure below, from $5,000 to $5,000,000, on one 4-minute application.
| Product | What it does for a Jimmy John's store |
|---|---|
| Business loan | A lump sum for a store refresh plus new delivery capacity. 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 campus-calendar sales instead of a fixed amount. Revenue-based financing. |
| Line of credit | A reusable limit for driver payroll between deposit cycles. Line of credit. |
| Equipment financing | For bread-baking gear and refrigeration, with the equipment anchoring the deal. Equipment financing. |
| Working capital | For bread, meat and delivery supplies, 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 |
|---|---|---|
| Add drivers for a new delivery zone | Payroll funding | Labor ahead of revenue |
| Replace an oven or walk-in | Equipment financing | Asset supports the deal |
| Smooth weekly settlement gaps | Line of credit | Reusable |
| Refresh signage and interior | Remodel funding | Split by invoice |
| Build a new drive-thru unit | Not offered | New-site construction |
Jimmy John's economics a reviewer will account for
Jimmy John's franchising page, now hosted by Inspire Brands, lists a 6% royalty and a 4.5% advertising and development fund on gross sales. About 10.5% of sales is spoken for before labor and food, and delivery adds driver labor most sandwich concepts do not carry. A reviewer weighs that against your store's deposits to size a payment that leaves room for both.
Formats matter too. The brand describes freestanding units with drive-thru and seating for about 20–24, end caps and inline stores, plus a small-format drive-thru of about 906 square feet. If your store is a dual-brand Jimmy John's and Dunkin' site, tell us; deposits from two menus and all-day traffic read differently than a lunch-only store.
How fast it moves, and what to send
- Apply in about 4 minutesName Jimmy John'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)
A two-store Jimmy John's owner wants to extend delivery hours at one store and replace a failing walk-in at the other. The stores are under one LLC. They ask for $35,000. A reviewer would read the shared account, account for royalty and advertising draws, and might offer equipment financing for the walk-in with a line of credit for the extra driver payroll while late-night revenue builds.
Hypothetical illustration of how a file is sized, not a past transaction.
Jimmy John's at a glance (public sources)
Taken from the official Jimmy John's franchising page on the Inspire Brands site.
Sources: Inspire Brands: Jimmy John's franchising. 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 Jimmy John's location. Can I apply?
Yes. An open store depositing revenue into a business account can be reviewed by Merchant Fund Express.
What do I need to send?
The application, three months of business bank statements and owner ID. No tax returns to apply.
Can I finance kitchen equipment for my Jimmy John's?
Yes. Ovens, refrigeration and prep equipment at an operating store are common requests.
I run a dual-brand Jimmy John's and Dunkin' site. Can I apply?
Yes. The location is reviewed on its combined deposits under the entity that owns it.
Are you affiliated with Jimmy John's or Inspire Brands?
No. We are a separate, independent company with no tie to Jimmy John's or the company that franchises it. Jimmy John's is named here only so its owners can find a page written for them.
Keep going
Not affiliated with or endorsed by Jimmy John'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.