Short answer
Wingstop franchise owners with an operating restaurant 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. Typical uses are fryers and filtration, refrigeration, buying ahead when chicken prices move, and store refreshes. Each restaurant 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 Wingstop.
What Wingstop owners usually need funded
Fryers and filtration
Heavy daily frying wears equipment and oil systems fast.
Chicken cost swings
When wing prices jump, food cost spikes before menu prices catch up.
Digital order volume
Most of the system's sales come through digital channels, so tablets, printers and staffing at the pickup counter matter.
Store refreshes
Dining rooms, pickup areas and signage updates.
Every way to fund your Wingstop location
Already running a Wingstop location and need capital? Merchant Fund Express funds existing Wingstop owners with every structure below, from $5,000 to $5,000,000, on one 4-minute application.
| Product | What it does for a Wingstop store |
|---|---|
| Business loan | A lump sum for a kitchen upgrade for digital-order volume. 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 game-day sales instead of a fixed amount. Revenue-based financing. |
| Line of credit | A reusable limit for chicken invoices that arrive before the weekend's sales. Line of credit. |
| Equipment financing | For fryers and hood-line equipment, with the equipment anchoring the deal. Equipment financing. |
| Working capital | For bone-in chicken orders when prices jump, 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: Chicken and wings franchise funding.
Match the need to the funding
| If you need to… | Look at | Why it fits |
|---|---|---|
| Replace a fryer bank | Equipment financing | Quote-driven, asset-backed |
| Absorb a chicken price spike | Working capital | Short, one-time need |
| Staff up for game-day weekends | Line of credit | Draw around peaks |
| Refresh the pickup area | Remodel funding | Finish work |
| Open a new Wingstop | Not offered | Startup capital |
Wingstop numbers worth knowing before you apply
Wingstop's annual report for fiscal 2025 lists a 6% royalty and a 5.5% advertising fund contribution on gross sales net of discounts, up from 5.3% the year before. It also reports that digital sales were 73.2% of system-wide sales in the fourth quarter of 2025 and that delivery is available at all U.S. restaurants. In practice, many Wingstop deposits arrive as card and delivery-platform payouts on a schedule, not as cash at the register.
A reviewer reads those payout cycles as normal. What helps is knowing which deposits come from which platform, and listing any equipment leases or existing advances. Wingstop operators are often multi-unit; the annual report says domestic franchisees average about 14 restaurants each. If that is you, apply under the entity that owns the restaurant needing funds.
How fast it moves, and what to send
- Apply in about 4 minutesName Wingstop 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 operator with three Wingstop restaurants in one LLC sees wing costs jump ahead of football season and needs a fryer replaced at one store. They ask for $45,000. The reviewer would read the LLC's deposits, including delivery payouts, net out royalty and advertising contributions and existing payments, and could split it into equipment financing for the fryer and working capital for inventory.
Hypothetical illustration of how a file is sized, not a past transaction.
Wingstop at a glance (public sources)
Wingstop's own franchise page did not render readable text when we checked, so these facts come from the company's annual report filed with the SEC and its investor site.
Sources: Wingstop Inc. FY2025 Form 10-K (SEC) · Wingstop investor relations. 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 Wingstop location. Can I apply?
Yes. If your restaurant is open and depositing revenue into a business account, Merchant Fund Express funds open stores like yours.
Do delivery-app payouts count as revenue?
Yes. Platform payouts into the business account are part of the restaurant's deposits.
Can I finance new fryers for my Wingstop?
Yes. Fryers and filtration at an operating restaurant are common equipment requests.
I operate many Wingstop restaurants. How is that reviewed?
By entity. Restaurants under one LLC and account are reviewed together; separate LLCs are reviewed separately.
Are you affiliated with Wingstop?
No. We are a separate, independent company with no tie to Wingstop or the company that franchises it. Wingstop is named here only so its owners can find a page written for them.
Keep going
Not affiliated with or endorsed by Wingstop 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.