Short answer
Merchant Fund Express works with existing franchise owners whose merchant cash advance payment has become too heavy, with one focus: lowering the payment so the store breathes again. Existing positions are considered, not treated as an automatic decline. Disclose every advance, send three months of business bank statements and owner ID, and a complete file gets a decision in 2–4 hours. 500+ FICO accepted, no tax returns. If you need new capital on top of an open advance instead, see the existing advances page.
Signs the payment is the problem
A franchise store has fixed draws other businesses do not: royalties, marketing fund contributions, technology fees. Add a daily advance collection and a good month can still feel short.
Payroll gets tight every week
Even in normal sales weeks, not just slow ones.
Royalty draft and collection collide
Early-month drafts plus daily collections leave the account thin.
You are tempted to stack another advance
Adding a third position to cover the second makes the squeeze worse.
Suppliers are slipping to late
Food or parts vendors are being paid late to keep collections current.
Refinance, add capital, or hold? Decide here
| Your situation | Best path | Why |
|---|---|---|
| One or more advances and the combined payment is too heavy | MCA refinance | Goal is a lower payment |
| The payment is fine, you need more capital | Existing advances | New capital with open positions considered |
| Payment is fine, revenue is seasonal | Revenue-based financing | Future funding that tracks revenue |
| Payment is fine, big equipment need | Equipment financing | Separate, asset-backed |
| No advance at all, need cash fast | Merchant cash advance | Sized on deposits |
What the review looks at
Not a reflex. Most funders decline at the sight of an open advance. Merchant Fund Express asks a different question: can this store carry a lower combined payment, based on its revenue and bank activity? That is a deposits question.
The reviewer reads three months of deposits, every current collection and the store's fixed franchise draws, then looks for a structure that lowers what leaves the account each day or week. Disclose everything; it is on your statements regardless, and full disclosure gets you a faster, more accurate answer.
Hypothetical example: a two-unit pizza owner carries two advances whose combined daily collection leaves too little after royalties and payroll. Statements show steady weekly deposits. The goal of the review is a single lower payment the stores can carry through a slow month.
Speed, step by step
- Apply in about 4 minutesList each advance: funder, collection amount and frequency.
- Upload three months of statementsThe account the collections come out of.
- Decision in 2–4 hoursYou see the proposed lower payment before signing anything.
- FundingSame-day funding is available; most files close in under 72 hours.
What a lower payment buys your store
Payroll on time
Crew paid without moving money between accounts the night before.
Suppliers current
Food, parts or product vendors back on normal terms.
Royalties without stress
Early-month franchise drafts clear without bouncing a collection.
Room to plan
Breathing space to fix scheduling, pricing or the menu instead of chasing the next deposit.
The goal is not more debt; it is a payment the store can carry through a normal slow week. If the store is losing money every month regardless of the payment, say so. A lower payment buys time, and the time is only worth it if you use it to fix the cause.
While your file is open
The goal Merchant Fund Express works toward here is one thing: a lower payment the store can carry. Your current agreements stay in force until a new arrangement is signed, so keep collections current while the file is in review.
The best time to ask is before payments start slipping, not after. A file with clean recent deposits and every position disclosed gets the clearest answer, the fastest.
What to send
Core product details: MFE Direct MCA refinance. Running several stores under separate entities? Read Separate LLCs first.
Owner questions, answered
Can a franchise owner refinance a merchant cash advance?
Yes. Merchant Fund Express reviews franchise owners' existing advances with the goal of lowering the payment, based on the store's revenue and bank activity.
Will an existing advance get me declined?
No, not automatically. Existing positions are considered. Disclose them all on the application.
How is this different from getting another advance?
Refinance is about lowering the payment. If your payment is fine and you need more money, the existing advances page covers new capital.
How fast is the decision?
2–4 hours on a complete file, and you see the proposed payment before you sign.
Do I need tax returns or high credit?
No tax returns to apply, and 500+ FICO is accepted.
Keep going
Merchant Fund Express is a separate company with no franchisor ties. Terms depend on the business's revenue and history.