Short answer
Own a PJ's Coffee cafe? Merchant Fund Express funds it six ways, from equipment financing to working capital, for $5,000 to $5,000,000. Owners use it for the scheduled refresh, espresso and drive-thru gear, coffee and food stock, and wages for a staff of a dozen or more. A complete file usually gets a decision in 2–4 hours.
Every way to fund your PJ's Coffee location
Already running a PJ's Coffee 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 PJ's Coffee location |
|---|---|
| Business loan | A lump sum for the refresh or a drive-thru addition. |
| Merchant cash advance | Repaid as a share of card sales at counter and window. |
| Revenue-based financing | Payments that follow seasonal tourist traffic. |
| Line of credit | A revolving limit for coffee, food and paper orders. |
| Equipment financing | Espresso machines, ovens, refrigeration and POS hardware on a quote. |
| Working capital | Staff wages and local marketing. |
What PJ's Coffee owners call about
The scheduled refresh
PJ's requires a refresh once a cafe has run five years, due whether sales are up or flat.
Drive-thru hardware
Drive-thru cafes run two POS systems, plus headsets and timers.
A full menu to stock
Beignets, sandwiches and salads mean food and paper stock, not just beans.
A real payroll
Cafes employ roughly ten to sixteen people; wages feel a slow month first.
Fastest fit for each PJ's Coffee need
| The need | Usually fits | Send with the application |
|---|---|---|
| Year-five refresh | Remodel funding | Contractor bid |
| Second POS or headsets | POS upgrades | Hardware quote |
| Espresso machine or oven | Equipment financing | Vendor quote |
| Stock before a festival week | Inventory funding | Supplier order |
| Payroll in a slow month | Working capital | Payroll per period |
What speeds up a PJ's Coffee decision
PJ's April 2026 disclosure document lists a 5% royalty withdrawn weekly and a 2% marketing fund fee, and budgets $20,000 to $65,000 for the year-five refresh. Branded beans come from the affiliated roaster, so coffee is a steady bill.
Merchant Fund Express reads deposits after those withdrawals, rent and current payments. Send the bid or quote with the application and a specialist can usually split the request the same day.
How fast it moves, and what to send
- Apply in about 4 minutesName PJ's Coffee 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 PJ's Coffee file, start to finish (hypothetical)
A PJ's owner with a drive-thru cafe hits year five and also needs an espresso machine. They ask for $70,000: $50,000 for the refresh on a bid and $20,000 for the machine. A specialist could finance the machine and place the refresh on a business loan.
Illustration only. It shows how a request gets sized; it is not a past deal or an offer.
PJ's Coffee at a glance (public sources)
From the PJ's Coffee franchise site and its April 2026 disclosure document. Parent company, investment range and store count differ between those sources, so all three are left out.
Sources: cards.web.commerce.state.mn.us (download) · pjsfranchise.com. 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 fund my PJ's Coffee refresh?
Yes. Send the contractor bid; it is often split between a loan and equipment financing.
How fast can I get an answer?
Usually 2–4 hours on a complete file, with same-day funding available.
I run a unit inside a hospital. Am I eligible?
Yes, if it is open and deposits go to your business account.
Is Spanish-speaking support available?
Yes. ITIN applicants and sole proprietors are accepted too.
Are you affiliated with PJ's Coffee?
No. We have no business tie to PJ's Coffee or the company that franchises it, and neither has endorsed us. The name is on this page only so PJ's Coffee owners can find funding written for their locations.
Keep going
Not affiliated with or endorsed by PJ's Coffee 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.