Short answer
Merchant Fund Express funds existing quick-service franchise owners: business loans, merchant cash advances, revenue-based financing, lines of credit, equipment financing and working capital, from $5,000 to $5,000,000. Typical QSR requests are fryers, ovens and refrigeration, drive-thru and POS upgrades, food-cost spikes, crew payroll and franchisor-required refreshes. Funding is sized on the store's own card and bank deposits, and a complete file (application, three months of statements, owner ID) usually gets a decision in 2–4 hours.
Where QSR owners need money
Kitchen equipment
Fryers, ovens, grills, hoods and the make line. When one goes down, ticket times explode. Refrigeration failures are the classic emergency.
Drive-thru and tech
Order screens, headsets, kiosks and POS swaps the system rolls out. See POS upgrades.
Food cost spikes
Chicken, cheese, beef or coffee prices jump and the invoice arrives before the margin recovers.
Crew payroll
Weekly or biweekly payroll that lands before weekend deposits settle.
Need to product
| QSR need | Usually fits | Why |
|---|---|---|
| Fryer, oven or walk-in replacement | Equipment financing | The machine anchors the deal |
| Emergency repair before the weekend | Merchant cash advance | Fast, repaid from daily card deposits |
| Food-cost spike or big supply order | Working capital | One-time hit, repaid from sales |
| Payroll before card batches clear | Line of credit | Recurring gap, draw only what you need |
| Seasonal swing (summer, game days, holidays) | Revenue-based financing | Payments track revenue |
| Franchisor-required refresh | Business loan + equipment financing | Split the machines from the finish work |
| Already carrying an advance | Existing advances | Considered, not an automatic decline |
How QSR deposits read
Quick-service deposits are frequent and card-heavy: daily batches from the terminals plus weekly payouts from delivery apps. That pattern is exactly what a deposit-based review reads best. Merchant Fund Express looks at the average, the swings between weekdays and weekends, royalty and ad-fund drafts, and any current funding payments, then sizes the payment to the store's slower weeks, not its best ones.
Two things help: separate the store's deposits from personal accounts, and list every current payment up front. If delivery apps pay out to a different account, include those statements too. Running several stores, each in its own LLC? See Separate LLCs.
Pick your QSR category
Each category has its own page with the equipment, seasons and owner problems that come with it: Sandwich shops, Pizza, Burgers and drive-thru, Chicken and wings, Coffee and beverages, Smoothies and juice, Desserts and bakery.
Not sure between an advance and a fixed payment? See MCA vs business loan.
Every quick-service brand on this site
Brands with a live owner page are linked. Owners of the others apply the same way today; name your brand on the application.
Sandwich shops: Firehouse Subs, Subway, Jersey Mike's, Jimmy John's.
Pizza: Papa Johns, Domino's, Marco's Pizza.
Burgers and drive-thru: Burger King, Carl's Jr., Checkers, Culver's, Dairy Queen, Freddy's, Hardee's, Jack in the Box, McDonald's, Rally's, Sonic, Wendy's.
Chicken and wings: Wingstop, Bojangles, Buffalo Wild Wings, Chicken Salad Chick, Church's Texas Chicken, Golden Chick, KFC, Popeyes, Slim Chickens, Zaxby's.
Coffee and beverages: Dunkin', 7 Brew, Biggby Coffee, Ellianos Coffee, Gong cha, Kung Fu Tea, PJ's Coffee, Scooter's Coffee, The Human Bean, Ziggi's Coffee.
Smoothies and juice: Smoothie King, Tropical Smoothie Cafe.
Desserts and bakery: Auntie Anne's, Baskin-Robbins, Cinnabon, Cold Stone Creamery, Crumbl.
Running a QSR brand that is not listed? Merchant Fund Express funds the location on its own deposits, whatever the logo over the door.
A worked example (hypothetical)
A burger franchise owner with two drive-thru locations under one LLC loses a walk-in compressor in July and has a franchisor POS rollout due in the fall. The owner asks for $55,000. A reviewer would read the shared account's deposits, net out royalty drafts and an existing equipment payment, and split the request: equipment financing for the compressor and the POS hardware, working capital for installation and spoiled stock.
Hypothetical illustration of how a file is sized, not a past transaction.
What to send so the decision comes back today
No tax returns to apply. 500+ FICO accepted. Sole proprietors are eligible, Spanish-speaking support is available and ITIN applicants are accepted.
Owner questions, answered
Can a quick-service franchise owner get a merchant cash advance?
Yes. Merchant Fund Express offers merchant cash advances to operating QSR locations, repaid as a percentage of daily or weekly card and bank deposits.
How fast can a QSR location get funded?
A complete file usually gets a decision in 2–4 hours, with same-day funding available and funding often the next business day.
Can I fund a drive-thru or POS upgrade?
Yes. Hardware fits equipment financing; installation and soft costs fit working capital.
Can I fund a brand-new QSR location?
Not the startup itself. Merchant Fund Express funds operating locations; an owner with an open store can draw on that store for the next one.
Are you affiliated with any quick-service franchise?
No. Merchant Fund Express is a separate, independent company. Brand names appear only so owners can find their page.
Keep going
Merchant Fund Express is a separate company with no franchisor ties. Terms depend on the business's revenue and history.