Short answer
Merchant Fund Express funds operating Zaxby's restaurants through a credit line, a term loan, equipment financing, revenue-based financing, an advance on card sales or working capital, from $5,000 to $5,000,000. Owners use it for fryers and sauce stations, double-drive-thru upgrades, crew payroll and chicken orders when prices move. Send three months of business bank statements with the application; a decision usually comes within 2–4 hours, with same-day funding available.
Every way to fund your Zaxby's location
Already running a Zaxby'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 Zaxby's location |
|---|---|
| Business loan | A lump sum for a major project, such as a second drive-thru lane or remodel. |
| Merchant cash advance | Quick cash repaid from card receipts, lighter in a slow week. |
| Revenue-based financing | Payments that track monthly revenue while weekly marketing drafts rise. |
| Line of credit | A reusable limit for chicken and sauce orders when prices swing. |
| Equipment financing | Fryers, sauce stations, refrigeration and drive-thru systems, priced from the quote. |
| Working capital | Crew payroll, repairs and local marketing between deposits. |
What Zaxby's owners call about
Made to order, at speed
Everything is cooked fresh, so fryers and prep lines carry the rush.
Double drive-thru lanes
Two lanes need boards, headsets and timers that keep both moving.
Rising marketing contribution
The national marketing fund steps up to 2.5% at the end of 2026, adding to weekly drafts.
No franchisor financing
Zaxby's says it does not offer financing, so owners arrange outside money for repairs and upgrades.
Fastest fit for each Zaxby's need
| The need | Usually fits | Send with the application |
|---|---|---|
| New fryers or holding equipment | Equipment financing | Vendor quote |
| Chicken order after a price jump | Line of credit | Supplier invoices |
| Payroll in a slow stretch | Working capital | Payroll total per period |
| Second drive-thru lane | Business loan | Contractor bid |
| Headsets and boards this month | Merchant cash advance | Install quote |
Why Zaxby's owners need a quick outside answer
Zaxby's publishes a 6% royalty and a national marketing fund of 2%, rising to 2.5% on December 28, 2026, plus co-op dues. Its newest stores run a double drive-thru, and drive-thrus are required at most sites. The franchisor's own FAQ says it offers no financing, directly or indirectly.
So when a fryer fails or a lane needs new boards, the owner needs an outside answer fast. Merchant Fund Express reads the restaurant's own deposits after royalty, marketing and current payments, and returns a decision usually within hours on a complete file.
How fast it moves, and what to send
- Apply in about 4 minutesName Zaxby'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 Zaxby's file, start to finish (hypothetical)
A Zaxby's owner with a Small Dine-In store wants new drive-thru boards and headsets and has a fryer near the end of its life. They ask for $42,000: $27,000 for equipment on vendor quotes and $15,000 for a larger chicken order and overtime. A specialist could place the equipment on equipment financing and fund the rest as working capital.
Illustration only. It shows how a request gets sized; it is not a past deal or an offer.
Zaxby's at a glance (public sources)
From Zaxby's 2026 disclosure and official franchising pages. Its pages cite older investment ranges that differ from the 2026 document, so only the current 2026 figure is shown.
Sources: Wisconsin DFI franchise filing · zaxbys.com (franchise startup costs) · zaxbys.com (franchise locations). 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 my Zaxby's restaurant get funded?
A complete file usually gets a decision in 2–4 hours, and funding often lands the next business day.
Does Zaxby's offer financing to owners?
The franchisor says it does not. Merchant Fund Express funds operating Zaxby's restaurants on their own deposits.
Can I finance drive-thru boards and headsets?
Yes. Drive-thru technology at an operating restaurant is a common equipment request. Send the quote.
Can I apply with credit below 600?
Yes. 500+ FICO is accepted, and the review leans on deposits and time open.
Are you affiliated with Zaxby's?
No. We have no business tie to Zaxby's or the company that franchises it, and neither has endorsed us. The name is on this page only so Zaxby's owners can find funding written for their locations.
Keep going
Not affiliated with or endorsed by Zaxby'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.