Short answer
Merchant Fund Express funds existing pizza franchise owners with business loans, merchant cash advances, revenue-based financing, lines of credit, equipment financing and working capital from $5,000 to $5,000,000. Typical uses are conveyor and deck ovens, delivery driver payroll, cheese and flour price spikes, make-line refrigeration and getting the current store ready to support a second one. Send three months of business bank statements and ID; a complete file usually gets a decision in 2–4 hours.
Where a pizza store's money goes first
A pizza store is a small factory with a fleet attached. When the oven is down, every delivery quote stretches. When a driver quits before a game weekend, the phone keeps ringing anyway. Owners call us for four reasons more than any other.
Ovens
Conveyor and deck ovens are the heartbeat of the kitchen. A replacement or a second oven for peak nights is a classic equipment request.
Delivery payroll
Drivers, mileage reimbursements and insulated bags are paid every week, whether the month is strong or soft.
Food cost swings
Cheese, flour and protein prices move. Buying ahead at a good price needs cash on hand.
Make-line cold storage
Prep tables, walk-ins and reach-ins keep toppings safe. See the refrigeration page.
Match the pizza problem to the funding
| If you need to… | Fits | Why |
|---|---|---|
| Replace or add an oven | Equipment financing | The oven supports the deal; send the vendor quote |
| Cover driver payroll before football season | Business line of credit | Draw for the gap, repay as weekend sales land |
| Lock in cheese or flour at a good price | Working capital | One-time buy, repaid from the sales it supports |
| Fast cash for a broken make-line | Merchant cash advance | Repaid as a percentage of card and bank deposits |
| Even out summer and winter swings | Revenue-based financing | Payments track revenue in slow weeks |
| A larger fixed-payment amount for a remodel or upgrade | Franchise business loans | Lump sum on a set schedule |
How pizza deposits read to a reviewer
Pizza revenue arrives in several streams: in-store card batches, online orders, third-party delivery app payouts and cash. Each lands on a different day. A reviewer looks at the total coming in across three months, the rhythm of the week (Friday through Sunday usually carries the store) and what already goes out for supplies, royalties and any existing funding.
Two things make a pizza file move faster. First, if delivery-app payouts land in a separate account, include that account's statements too. Second, list any existing equipment payments or advances up front. Disclosed positions are considered; hidden ones slow everything down.
Hypothetical example, not a past deal: a single-store owner needs a second conveyor oven before the playoffs and wants extra driver hours covered. A reviewer could place the oven on equipment financing and cover payroll with a small line of credit, so each payment matches what it pays for.
Pizza brands we fund
Brand pages live now: Papa Johns, Domino's, Marco's Pizza.
Running a brand that is not named here? Put the brand on the application. Merchant Fund Express funds the location on its own deposits, whatever the logo over the door.
Pizza sits inside the wider quick-service sector, and many pizza owners also run wings. If you are planning store number two, read the second location page first: the open store's deposits carry the file.
Avoid the slow file
Pizza owners who get same-day answers do three things: send statements from the account where card, online and app deposits land; attach the oven quote; and list every current payment. That is it.
What to send
- Apply in about 4 minutesName your pizza brand, the store address and what the money is for.
- Upload statements and IDThree months of business bank statements per store entity, plus photo ID for each owner.
- Decision in 2–4 hoursOn a complete file. Same-day funding is available; funding often lands the next business day.
No tax returns to apply. 500+ FICO accepted. Sole proprietors, Spanish-speaking owners and ITIN applicants are welcome.
Owner questions, answered
Can an open pizza franchise get equipment financing for an oven?
Yes. Ovens, make-lines and walk-ins at an operating store are some of the most common requests Merchant Fund Express funds.
Can I fund delivery driver payroll?
Yes. A line of credit or working capital covers payroll gaps, sized to the store's deposits.
Do third-party delivery payouts count as revenue?
Yes. Send the statements for the account where they land so the full revenue picture is visible.
I already have an advance on my pizza store. Can I still apply?
Yes. Disclose it on the application. Existing positions are considered, and the MCA refinance page covers lowering the payment.
Can you fund a brand-new pizza store?
No. Merchant Fund Express funds operating locations. Open stores can fund their own needs while you plan the next one.
Are you affiliated with any pizza franchise?
No. Merchant Fund Express is independent. Brand names identify the owners a page is written for.
Keep going
Merchant Fund Express is a separate company with no franchisor ties. Terms depend on the business's revenue and history.