Buy into a proven system
Franchise Financing
Financing structured around franchise fees, build-out, and initial working capital.
Franchise financing covers the franchise fee, build-out, equipment, and opening working capital that come with buying into a franchise system. Because many franchisors have established lending relationships and documented financials, approval can be more predictable than a typical startup loan.
Read the complete guide →Best for
- First-time franchise buyers
- Existing owners adding another unit
- Franchise brands with a track record lenders recognize
Common uses
- Paying the initial franchise fee
- Build-out and equipment for a new location
- Opening working capital
What you'll need
- A signed or pending franchise agreement
- The franchise on an approved-brand list (varies by lender)
- A business plan or franchisor-provided projections
- Owner credit and available down payment reviewed
At a glance
- Amount
- Up to $2,000,000
- Covers
- Franchise fee, build-out, equipment, working capital
- Often paired with
- SBA financing
Franchise Financing: which structure?
A few ways this is commonly structured. Your advisor helps you pick the right one.
Covers the franchise fee, build-out, and opening costs for your first location.
Best for: First-time franchise buyers.
Estimate your franchise financing
Move the sliders to explore. These are illustrative figures, not an offer.
Estimated monthly payment
$4,281
- Amount
- $250,000
- Total interest
- $109,571
- Total of payments
- $359,571
Illustrative estimate, not an offer of credit. Your advisor confirms your real rate and terms.
Franchise Financing questions
Do I need the franchise picked out first?
Yes — lenders finance a specific franchise agreement, not a general search. Once you have an agreement (or a strong pending one), we can start matching you to lenders.
Is SBA financing available for franchises?
Often yes, for brands on a lender's approved list — SBA 7(a) is a common path. Your advisor checks your specific brand.
How much cash do I need up front?
It varies by lender and brand, but expect a meaningful down payment — commonly in the 10–20% range. Your advisor confirms the real number for your deal.
Indicative estimate based on your inputs — not an offer of credit. A specialist confirms exact products, amounts, and terms.
Other financing options
Business Term Loans
A straightforward lump sum repaid over a set term — flexible for almost any purpose.
Learn more →Working Capital Loans
Straightforward funding for payroll, inventory, and the everyday costs of running your business.
Learn more →Business Line of Credit
Revolving access to capital you draw and repay as cash flow requires.
Learn more →
See what you qualify for today.
One application, every option compared. No fee, no obligation, no credit impact.