Short answer
Smoothie King franchise owners with an open store 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. Common uses are blender and refrigeration replacement, produce and supplement inventory, and bridging slow months between peak seasons. Your store is reviewed on its own deposits and payments, and a complete file usually gets a decision in 2–4 hours. Merchant Fund Express is independent of Smoothie King.
What Smoothie King owners usually need funded
Blenders
Commercial blenders run all day and wear out on a predictable cycle.
Cold storage and ice
Freezers, reach-ins and ice machines keep the menu possible.
Produce and inventory
Fruit, supplements and cups bought in volume.
Seasonal swings
Warm months and New Year fitness goals spike sales; other months are quieter.
Every way to fund your Smoothie King location
Already running a Smoothie King location and need capital? Merchant Fund Express funds existing Smoothie King owners with every structure below, from $5,000 to $5,000,000, on one 4-minute application.
| Product | What it does for a Smoothie King store |
|---|---|
| Business loan | A lump sum for a cafe refresh or drive-thru addition. 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 summer-heavy sales instead of a fixed amount. Revenue-based financing. |
| Line of credit | A reusable limit for the slow winter months. Line of credit. |
| Equipment financing | For commercial blenders and freezers, with the equipment anchoring the deal. Equipment financing. |
| Working capital | For produce and supplement inventory, 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: Smoothies and juice franchise funding.
Match the need to the funding
| If you need to… | Look at | Why it fits |
|---|---|---|
| Replace a set of blenders | Equipment financing | Short useful life, short term |
| Ice machine or freezer failure | Equipment financing or working capital | Depends on cost and urgency |
| Carry the store through winter | Revenue-based financing | Payment follows sales |
| Stock up before peak season | Working capital | One-time |
| Build a drive-thru unit | Not offered | New construction |
Smoothie King details that affect the review
Smoothie King's franchising FAQ lists a 6% royalty on weekly sales and a 3% national advertising fund, plus local marketing and a monthly technology fee. Those are drawn on weekly sales, so the reviewer will see them in your statements and size the new payment around them. The brand also describes drive-thru, endcap and in-line stores, with drive-thru favored where possible.
Seasonality is the main thing to explain. A store near a gym or campus may have a strong January and a slow August, or the reverse in the South. Revenue-based financing, where payments move with sales, is often the best fit for that pattern. Tell the reviewer your peak and slow months in a sentence.
How fast it moves, and what to send
- Apply in about 4 minutesName Smoothie King 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 Smoothie King owner in a northern market has a strong spring and summer and a soft late fall. Two blenders and the ice machine need replacing before peak. They ask for $15,000. The reviewer would read six-month patterns where available, net out royalty and advertising draws, and could offer equipment financing on the blenders and ice machine with a term short enough to match their useful life.
Hypothetical illustration of how a file is sized, not a past transaction.
Smoothie King at a glance (public sources)
From Smoothie King's official franchising site. Where its pages disagreed, we used the figures tied to the April 2026 disclosure document.
Sources: Smoothie King franchising · Franchise process · FAQs. 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 Smoothie King location. Can I apply?
Yes. An open store depositing revenue into a business account can be reviewed by Merchant Fund Express.
What do I send?
The application, three months of business bank statements and owner ID. No tax returns to apply.
Can I finance new blenders?
Yes. Blenders, ice machines and freezers at an operating store are common equipment requests.
My store is very seasonal. Is that a problem?
No. Explain the pattern. Revenue-based financing can match payments to busier months.
Are you affiliated with Smoothie King?
No. We are a separate, independent company with no tie to Smoothie King or the company that franchises it. Smoothie King is named here only so its owners can find a page written for them.
Keep going
Not affiliated with or endorsed by Smoothie King 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.