What is franchise financing?

Franchise financing provides capital to purchase, build, and operate franchise businesses. It covers franchise fees, build-out costs, equipment, working capital, and multi-unit expansion. SBA loans are the most popular option with down payments as low as 10%.

Can first-time franchisees get financing?

Yes, first-time franchisees can access financing, especially for franchises on the SBA registry. Lenders evaluate personal credit (typically 680+), liquid capital for down payment, net worth, and relevant management or industry experience.

What is the SBA Franchise Directory?

The SBA Franchise Directory is a registry of franchise brands pre-approved for SBA lending. Franchises on this list have streamlined loan processing because the SBA has already reviewed their franchise disclosure documents and agreements.

How much down payment is required for franchise financing?

Down payment requirements range from 10-20% for SBA loans and 15-30% for conventional financing. The exact amount depends on the franchise brand, total project cost, borrower experience, and credit profile.

Can I finance multiple franchise locations at once?

Yes, multi-unit financing is available for experienced operators. Master SBA facilities can fund multiple locations with milestone-based draws, providing capital as each location is ready for development.

How long does franchise financing take?

Franchise financing can be pre-approved in as little as 24 hours. Full SBA loan approval typically takes 30-45 days, while conventional loans can close in 2-3 weeks. The timeline depends on project complexity and documentation readiness.

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Franchise Industry

Franchise Financing Solutions

From first-time franchisees to multi-unit operators, we provide comprehensive financing solutions that understand franchise business models and unit economics.

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Quick Service Restaurants

Fast Casual Dining

Fitness & Gyms

Home Services

Automotive Services

Retail & Convenience

Childcare & Education

Senior Care

Fast Approval

Pre-approval in as little as 24 hours

Low Down Payment

As low as 10% down for SBA loans

Franchise Experts

Specialists who know your brand

Growth Support

Capital for multi-unit operators

Financing Options

Franchise Financing Solutions

Comprehensive financing options designed for franchise businesses at every stage.

Franchise Acquisition

Complete financing packages to purchase new franchise locations with proven brands.

Amount: $100,000 - $10,000,000

Terms: 5-25 years

Multi-Unit Expansion

Capital for experienced operators looking to add multiple franchise locations.

Amount: $500,000 - $25,000,000

Terms: 7-25 years

Resale Financing

Acquire existing franchise locations with established customer bases.

Amount: $150,000 - $15,000,000

Terms: 5-20 years

Build-Out & Equipment

Finance construction, renovations, and equipment for franchise locations.

Amount: $50,000 - $5,000,000

Terms: 3-15 years

Success Stories

Franchise Financing Case Studies

See how we've helped franchise owners achieve their goals.

$6,800,000

QSR Multi-Unit Expansion

Experienced franchisee with 5 QSR locations

Challenge

Wanted to add 8 new locations over 2 years

Solution

Master SBA 7(a) facility with milestone-based draws

Result

Opened all 8 locations on schedule, 30% revenue increase

$850,000

Fitness Franchise Startup

First-time franchisee in fitness industry

Challenge

Needed complete startup capital for premium fitness brand

Solution

SBA 7(a) loan covering franchise fee, build-out, and equipment

Result

Profitable within 6 months, voted top new location by franchisor

Qualifications

Franchise Financing Requirements

We work with first-time franchisees and experienced operators alike, with requirements tailored to your experience level.

Personal credit score of 680+ (flexible for experienced operators)

Minimum 10% liquid capital for down payment

Net worth meeting franchisor requirements

Relevant industry or management experience preferred

Franchise brand on SBA registry (for SBA loans)

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