Running an established franchise system means you have the playbook, the brand, and the training. We help you get the capital to execute it — SBA loans, equipment financing, and multi-unit expansion capital.
Franchise financing isn't one product — it's a combination of real estate, equipment, working capital, and business acquisition debt. We'll put together the right stack for your franchise type and growth goals.
The most common franchise financing vehicle. SBA 7(a) franchise loans go to borrowers buying a new or existing franchise location, or refinancing existing franchise debt. The franchisor must be on the SBA franchise directory or have a standard franchise identifier.
Restaurant, automotive, cleaning, and service franchises all have significant equipment needs. This structure combines equipment financing (collateralized by the equipment itself) with working capital for pre-opening expenses and initial inventory.
Existing franchisees adding a second, third, or fourth location. Lenders evaluate your current operation's financials, your management track record, and the unit-level economics of the new locations. Typically SBA 7(a) with a portfolio approach.
Opening your first franchise location. Many franchisors have preferred lenders and SBA programs designed specifically for first-time franchisees. Lenders review your personal profile, the franchise concept's financials, and your franchisor's track record.
Franchise financing evaluates you, the franchisor, and the specific location. The combination of these three factors determines your rate, term, and approval odds. Here's what matters.
Tell us which franchise system you're looking at, your target location, and your financial profile — we'll tell you the fastest path to financing. No cost, no commitment.
Franchise financing serves first-time franchisees and experienced operators expanding their portfolio. The profile that gets financed fastest is one with strong credit, documented business experience, and a franchise concept that has a proven unit-level model.
Opening your first franchise. SBA programs specifically designed for first-time owners make this achievable with 10–12% down and the right franchise partner.
Adding a second, third, or fourth location to your existing franchise portfolio. Lenders love existing franchisees with proven unit financials.
Buying an existing independent business and converting it to a franchise brand. The existing cash flow simplifies the financing equation.
Signing with a newer franchise system that may not yet be on the SBA directory. Alternative lenders and SBA small loans work better here.
Cleaning, pest control, senior care, and home services franchises. Lower build-out cost means lower capital requirements — often $100K–$300K total.
Quick service, fast casual, and full-service restaurant franchises. Equipment-heavy builds need equipment financing layered with working capital.
Convenience, grocery, specialty retail, and franchise convenience stores. Real estate + equipment + working capital is the standard stack.
Auto repair, tire, transmission, and trades franchise systems. Equipment financing and SBA loans work well for these capital-intensive builds.
You're not inventing anything. The franchise system has already proven the unit-level economics. Lenders have seen hundreds of deals from the same franchisor, which means faster decision-making and better rates for you.
Many franchisors have SBA-approved status, which means the bank already knows the franchise system, has the franchise documentation on file, and can move faster. This cuts 30–60 days off the typical timeline.
Restaurant, automotive, and service franchises can often finance the equipment separately at better rates than the real estate or business acquisition component. This separates the risk profile and speeds approvals.
One successful franchise location is worth 3–5x in refinancing potential. Open one, build the financials, then refinance to pull out capital for location two. The franchise model scales — and so does your access to capital.
Under 3 minutes. We'll match you to the right franchise lender and financing structure.
Industry-specific guides for franchise concepts — from restaurant build-outs to service franchise acquisitions.
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Earn referral fees when your clients get funded. $25K–$5M+, all 50 states, no exclusivity.