Short answer
Merchant Fund Express funds existing franchise owners who need a business loan: a lump sum of working capital, a reusable line of credit, equipment financing, a merchant cash advance or revenue-based financing, from $5,000 to $5,000,000. You apply once in about 4 minutes, send three months of business bank statements and owner ID, and a complete file gets a decision in 2–4 hours. No tax returns to apply, 500+ FICO accepted, and same-day funding is available. The location must be open and depositing revenue.
One application, five ways to get the money
“Business loan” is the word most owners search. What you actually need is the right shape of money for the problem in front of you. Merchant Fund Express reads your store's deposits and puts the request in the structure your cash flow carries best.
Working capital
A lump sum on a set repayment schedule. The closest thing to a classic term loan. Franchise working capital.
Line of credit
A limit you draw on, repay and draw again for payroll and timing gaps. Franchise line of credit.
Equipment financing
Ovens, coolers, lifts, printers. The machine anchors the deal. Franchise equipment financing.
Merchant cash advance
Repaid as a percentage of daily or weekly card and bank deposits. Franchise MCA.
Revenue-based financing
Payments that track revenue, built for seasonal stores. Franchise RBF.
Pick the shape in ten seconds
| If your store needs… | Ask for | Why it wins |
|---|---|---|
| A one-time amount for a known project | Working capital | Fixed amount, predictable payment |
| Cash for payroll gaps that repeat | Line of credit | Pay only for what you draw |
| A specific machine with a quote | Equipment financing | The asset supports the funding |
| Money today on strong card sales | Merchant cash advance | Fastest path; payment flexes with deposits |
| Payments that ease in slow months | Revenue-based financing | Payment follows revenue |
| Customers who pay you on 30–90 day invoices | Invoice factoring | Turns open invoices into cash |
| Capital to open your first unit | Not offered | Needs an operating location |
Why owners stop waiting on the bank
A bank or SBA file can take weeks and asks for tax returns, projections and collateral schedules. A franchise owner with a broken walk-in or a remodel deadline does not have weeks. Merchant Fund Express decides on what already proves the store works: its bank deposits.
That is the trade. You get a decision in 2–4 hours and money that can land the same day, and most files go from application to funds in under 72 hours. If you have months to spare and a perfect file, a bank may still make sense; read SBA vs working capital and when the SBA is too slow before you choose.
How fast it moves
- Minute 0–4: applyBusiness name, brand, time open, amount and what it is for.
- Upload statements and IDThree months of business bank statements for the entity that owns the store.
- Hour 2–4: decisionA specialist reads deposits and current payments and tells you which product and how much.
- FundingSame-day funding is available; funding often lands the next business day.
What to send
Sole proprietors are eligible. Spanish-speaking support is available and ITIN applicants are accepted. Terms depend on the business's revenue and history.
Who this is built for
Owners of open franchise locations in every sector: sandwich shops, pizza, gyms, auto service, cleaning and restoration and more. One store or twenty. If you run several locations under separate LLCs, see Separate LLCs before you apply so each entity is presented cleanly.
Not built for: a store that has not opened, buying an existing franchise from another owner, or buying land or a building. Those need an operating history Merchant Fund Express funds against. See Existing vs new.
Owner questions, answered
Can an existing franchise owner get a business loan from Merchant Fund Express?
Yes. If your location is open and depositing revenue into a business account, Merchant Fund Express funds it with working capital, a line of credit, equipment financing, a merchant cash advance or revenue-based financing.
How much can I borrow for my franchise?
From $5,000 to $5,000,000. Your amount is set by the store's monthly deposits and existing payments.
How fast is a franchise business loan decision?
2–4 hours on a complete file. Same-day funding is available, and funding often lands the next business day.
Do I need tax returns or perfect credit?
No tax returns to apply, and 500+ FICO is accepted. The deposits carry most of the decision.
Can I use a business loan to open a new franchise?
No. Merchant Fund Express funds operating locations. A store that has not opened needs startup financing, which is not offered here.
Is Merchant Fund Express tied to my franchisor?
No. It is an independent company. Your franchise agreement may have rules about outside financing, so check it before you sign.
Keep going
Merchant Fund Express is a separate company with no franchisor ties. Terms depend on the business's revenue and history.