Buy into a proven system

Franchise Financing

Financing structured around franchise fees, build-out, and initial working capital.

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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.

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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
See my real options →

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

See what you qualify for today.

One application, every option compared. No fee, no obligation, no credit impact.