Short answer
Merchant Fund Express funds existing smoothie and juice 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. Owners use it for commercial blenders, freezers and reach-ins, fresh produce and supplement inventory, cafe refreshes and summer staffing. Three months of business bank statements plus ID gets a decision, usually within 2–4 hours.
Four reasons smoothie owners apply
Blenders
Commercial blenders are run all day and replaced often. A full set for a busy store adds up.
Freezers and reach-ins
Frozen fruit and fresh produce need dependable cold storage; see refrigeration.
Produce and supplements
Fresh fruit spoils, supplements are pricey and both need buying ahead; see inventory funding.
Cafe refresh and food menus
Cafe-style brands add food prep lines and dining-room updates on the franchisor's schedule.
Pick the funding by the problem
| If you need to… | Fits | Why |
|---|---|---|
| Replace a set of blenders | Equipment financing | Equipment anchors the funding |
| Stock produce and supplements for summer | Working capital | One-time, repaid as the season sells |
| Even out slow winter months | Revenue-based financing | Payments track revenue |
| Cover summer crew payroll | Business line of credit | Draw for the weeks you need |
| Cash quickly after a freezer failure | Merchant cash advance | Repaid as a share of deposits |
| Cafe refresh with a deadline | Franchise business loans | Lump sum on set payments |
Reading a smoothie store's deposits
Smoothie and juice stores often swing with weather and New Year's fitness resolutions. January and summer can be strong; late fall can be soft. That is normal. A reviewer looks at three months of deposits, the share from app and delivery orders, and what already goes out for supplies and existing funding, then sizes a payment the soft weeks can carry.
If your three months include a slow stretch, say so. If they include a hot one, say that too. Owners with a big seasonal swing usually pick revenue-based financing so the payment shrinks when sales do. Compare it to an advance on the RBF vs MCA page.
Hypothetical example, not a past deal: a cafe-format owner needs new blenders and a sandwich prep unit for the franchisor's expanded menu. Both go on equipment financing; a small line covers the extra training hours.
Smoothie and juice brands we fund
Brand pages live now: Smoothie King, Tropical Smoothie Cafe.
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.
Beverage-led brands, see also coffee and beverages and desserts and bakery.
How fast it moves, step by step
Speed is the point. Here is the timeline a complete smoothie or juice file follows with Merchant Fund Express.
| Stage | What happens | Typical timing |
|---|---|---|
| Application | Brand, store, amount and use, about 4 minutes | Minutes |
| Statements and ID | Three months of business bank statements and photo ID for each owner | Same day you apply |
| Decision | A specialist reads deposits and existing payments and matches the product | Usually 2–4 hours |
| Funding | Same-day funding is available on approved files | Often next business day |
Most files go from application to funds in under 72 hours. The usual delay is a missing owner ID or statements from the wrong account. Send the account that receives the store's card and app deposits and the clock runs fast.
Already carrying an advance from a slow winter? Disclose it. Existing positions are considered, not an automatic decline, and the MCA refinance page explains how owners work toward a lower payment once summer deposits come in. Sole proprietors, Spanish-speaking owners and ITIN applicants apply the same way.
What to send
- ApplyAbout 4 minutes. Name your brand and the need.
- UploadThree months of business bank statements and owner ID.
- DecisionUsually 2–4 hours on a complete file.
Owner questions, answered
Can a smoothie franchise owner finance new blenders?
Yes. Blenders, freezers and prep equipment at an open store are routine Merchant Fund Express equipment requests.
My store is slow in winter. Can I still get funded?
Yes. Seasonal swings are normal. Revenue-based financing payments move with sales.
Can I fund produce and supplement inventory?
Yes, with working capital sized to the store's deposits.
What do I need to apply?
The 4-minute application, three months of business bank statements and photo ID. No tax returns.
Can I fund a smoothie store I have not opened yet?
No. Merchant Fund Express funds operating locations only.
Are you affiliated with any smoothie or juice franchise?
No. Merchant Fund Express is independent with no franchisor ties.
Keep going
Merchant Fund Express is a separate company with no franchisor ties. Terms depend on the business's revenue and history.