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🏪Franchise Financing

Whether you’re acquiring your first franchise location or expanding an existing portfolio, franchise financing provides the capital you need. Lenders familiar with franchise models offer better terms and faster approvals.

$25K – $5M
Loan Amounts
2 – 25 years
Terms
7 – 60 days
Speed to Fund
600+
Min. Credit
✓ No Minimum Credit Score✓ $10K+ Monthly Deposits✓ 6+ Months in Business✓ No Hard Credit Pull✓ All Industries

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See What You Qualify For in 60 Seconds

Slide the calculator to see your estimated approval range. Then answer 3 quick questions. No documents needed. No credit impact.

✓Estimated range appears instantly
✓Auto-advances as you answer — no extra clicks
✓Soft credit pull only — your FICO stays untouched
✓Real specialist reviews your file within the hour
✓No obligation — see your options and decide
Estimate
Revenue
History
Contact

See What You Could Qualify For

Slide to your average monthly bank deposits.

$10K$75K/mo$500K+

Estimated Approval Range

$75K – $113K

Based on 100-150% of monthly revenue

No hard credit pull · No obligation · Estimate only

Your Deal Gets Shopped Across 70+ Lending Partners

SBA Preferred Lenders
Community Banks
Credit Unions
Specialty Finance Companies
Online Lending Platforms

70+ vetted lending partners competing for your deal

How It Works

How Franchise Financing Works

Franchise financing combines traditional loan structures with franchise-specific underwriting. Lenders evaluate both your personal qualifications and the franchise brand’s track record. SBA loans are the most common vehicle, but equipment financing, lines of credit, and portfolio loans are also available for franchisees.

Best For

Ideal Use Cases for Franchise Financing

✓First-time franchise buyers paying franchise fees
✓Multi-unit operators expanding to new locations
✓Franchise resale purchases and transfers
✓Buildout and renovation of franchise locations
✓Working capital for new franchise launch phase

Real Scenarios

Who Uses Franchise Financing?

These are the kinds of situations where franchise financing make the most sense.

First-Time Franchise Buyer

A corporate professional leaving their W-2 job secures $350K in SBA franchise financing to open their first fast-casual restaurant franchise location.

Multi-Unit Expansion

An existing three-unit franchise operator takes $800K to simultaneously build out two new locations in adjacent markets, leveraging their proven performance.

Franchise Resale Acquisition

A buyer purchases an existing franchise location for $450K using SBA 7(a) financing, acquiring an established customer base and trained staff from day one.

Franchise Buildout and Equipment

A new fitness franchise owner combines a $200K equipment loan with $150K in working capital to complete buildout and cover pre-opening marketing costs.

Converting an Independent to a Franchise

An independent pizza shop owner converts to a national franchise brand, using $175K in financing to cover franchise fees, required renovations, and rebranding.

Emergency Working Capital for New Franchisee

A recently opened franchise takes $40K in short-term working capital to cover higher-than-expected pre-opening costs while waiting for revenue to stabilize.

Full Transparency

Pros & Cons of Franchise Financing

We believe in full transparency. Here's what you should know.

✅ Advantages

✓SBA loans available with favorable terms
✓Franchisor brand strength helps approval odds
✓Multiple funding structures available
✓Longer terms reduce monthly payment burden
✓Can finance franchise fees, buildout, equipment, and working capital

⚠️ Considerations

•SBA route requires extensive documentation
•Longer approval timeline for larger loans
•Personal guarantee and collateral may be required
•Some emerging franchises may not be SBA-approved
•Down payment required (typically 10–20%)
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Full Transparency

Is Franchise Financing Right for You?

Honest answer. Not every product is the right fit. Here's how to tell.

✅ Good Fit If…

✓You are buying, building, or expanding a franchise location
✓You have a credit score of 600+ and relevant business or management experience
✓Your franchise brand is SBA-approved or has a strong financial track record
✓You can provide a 10–20% down payment on the total project cost
✓You need financing that covers franchise fees, buildout, equipment, and working capital
✓You are acquiring an existing franchise through a resale or transfer
✓You want long-term repayment with lower monthly payments

🚫 Consider Something Else If…

•You need funding in less than a week — Working Capital or a Merchant Cash Advance can bridge the gap while your franchise loan processes
•You are starting a non-franchise independent business — SBA 7(a) or Term Loans are the right fit
•Your franchise brand is not SBA-approved and you have limited capital — conventional Term Loans or Equipment Financing may be needed
•You only need to finance equipment, not the full franchise package — Equipment Financing is faster and more targeted
•Your credit score is below 600 — Working Capital products have no credit minimums and can provide bridge funding
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Compare

How Franchise Financing Compare

Side-by-side look at how this product stacks up against alternatives.

Franchise FinancingSBA 7(a) LoanConventional Term Loan
Speed to Fund7 – 60 days30 – 90 days2 – 7 business days
Amounts$25K – $5M$50K – $5M$25K – $5M
Repayment StructureVaries by product mixFixed monthly, 5–25 yrsFixed monthly, 1–5 yrs
Min. Credit Score600+650+600+
CollateralVaries (often required)Often requiredSometimes required
Best ForFull franchise packageLowest rates, long termsFaster close, fewer docs

Ready?

See What You Qualify For. No Credit Impact.

Slide the calculator, answer 3 questions, and a specialist pulls your options within the hour.

✓Estimated approval range appears instantly
✓Auto-advances — no extra buttons to click
✓Soft pull only — FICO untouched
✓70+ lenders compete for your deal
✓No obligation to accept any offer
Estimate
Revenue
History
Contact

See What You Could Qualify For

Slide to your average monthly bank deposits.

$10K$75K/mo$500K+

Estimated Approval Range

$75K – $113K

Based on 100-150% of monthly revenue

No hard credit pull · No obligation · Estimate only

Industries

Popular in These Industries

Franchise Financing are a top choice for business owners in these sectors.

RestaurantsView Industry Hub →HealthcareView Industry Hub →Auto RepairView Industry Hub →Med SpaView Industry Hub →

FAQs

Franchise Financing FAQs

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