Short answer
Already running a Rally's? Merchant Fund Express funds it 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 use it for fryers and grills, lane headsets and menu boards, modular building repairs, market co-op advertising and crew payroll. Apply in about 4 minutes with three months of business bank statements and a specialist usually decides in 2–4 hours.
Every way to fund your Rally's location
Already running a Rally'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 Rally's location |
|---|---|
| Business loan | A set sum for exterior paint, canopy or lot work on a schedule. |
| Merchant cash advance | Quick capital from daily card sales when a lane or fryer is out. |
| Revenue-based financing | A payment linked to sales, easier in a cold or rainy month. |
| Line of credit | Draw for food deliveries and co-op invoices; repay and use again. |
| Equipment financing | Fryers, grills, headsets, speaker posts and digital menu boards. |
| Working capital | Crew wages and running costs between busy weekends. |
What Rally's owners call about
Fries are the brand
Seasoned fries move through the fryers all day. A fryer down is a menu problem, not just a repair.
Lanes are the only door
With little or no dining room, a broken window or speaker post hits sales directly.
Market co-op dues
Total advertising runs 4.5% of net sales, and the local co-op decides its own fees.
Compact buildings, heavy wear
Modular and small drive-thru buildings take constant traffic and weather on every surface.
Fastest fit for each Rally's need
| The need | Usually fits | Send with the application |
|---|---|---|
| Fryer down during the fry rush | Merchant cash advance | Repair or replacement quote |
| Speaker post, headsets or menu board | Equipment financing | Technology quote |
| Co-op advertising contribution | Line of credit | Co-op invoice |
| Canopy and paint refresh | Business loan | Contractor bid |
| Payroll after a cold snap | Working capital | Payroll per period |
Funding a Rally's without slowing the lanes
Rally's shares one franchise program, one menu and one set of distributors with Checkers, under a support center in Tampa. Royalty is 4% of net sales and total advertising runs 4.5% of net sales, with co-op fees set in each market. The franchisor runs about 30% of locations and tests changes there before they reach franchisees.
For a Rally's owner, the money question is nearly always about uptime. Merchant Fund Express reads the daily card settlements on your statements, subtracts the royalty, co-op and existing payments, and offers what fits, often in hours. If you also run Checkers units, apply per entity; stores in the same LLC are reviewed together.
How fast it moves, and what to send
- Apply in about 4 minutesName Rally'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 Rally's file, start to finish (hypothetical)
A Rally's owner's speaker post and menu board on the outer lane fail before a holiday weekend. They ask for $18,000 for the replacement on a vendor quote and another $8,000 for a co-op promotion. A specialist could fund the lane hardware with equipment financing and the promotion on a small line of credit, with a decision the same afternoon.
Illustration only. It shows how a request gets sized; it is not a past deal or an offer.
Rally's at a glance (public sources)
From the Checkers & Rally's franchising pages. Those pages give two different franchise fees and two different net worth and liquidity figures, so all of those are left out.
Sources: checkersfranchising.com (frequently asked questions) · checkersfranchising.com (our building). 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 can a Rally's restaurant be funded?
A complete file usually gets a decision in 2–4 hours, with same-day funding available and funding often next business day.
Can I fund a lane repair the same day?
Same-day funding is available on approved files. Send the quote with the application to move fastest.
I also own Checkers units. Do I apply twice?
Apply per entity. If Rally's and Checkers units share one LLC and account, they are reviewed together.
Is there a minimum credit score?
500+ FICO is accepted, and the restaurant's deposits lead the review.
Are you affiliated with Rally's?
No. We have no business tie to Rally's or the company that franchises it, and neither has endorsed us. The name is on this page only so Rally's owners can find funding written for their locations.
Keep going
Not affiliated with or endorsed by Rally'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.