Industry Financing
Franchise Financing
Startup capital, expansion loans, and multi-unit acquisition financing for franchise owners across all brand categories.
Check Your Eligibility →Funding Amount
$50K – $5M
Typical Terms
5–25 years
Rates Starting At
5.5%
What We Finance
Franchise owners have a powerful advantage in the lending market: an established brand, a proven system, and a Franchise Disclosure Document (FDD) that lenders can underwrite against. SBA lending for franchises is highly active, and we work with multiple preferred lenders.
- •SBA 7(a) franchise startup loans — most used financing structure
- •Multi-unit acquisition: buy 2–10 locations from an exiting franchisee
- •Equipment and leasehold improvement financing
- •Remodel and refresh capital (franchise-mandated updates)
- •Franchise territory expansion loans
- •Bridge capital for franchise transfer transactions
Business Types We Work With
- ✓Quick service restaurant franchises (McDonald’s, Subway, Chick-fil-A)
- ✓Fitness franchises (Planet Fitness, Anytime Fitness, Orangetheory)
- ✓Auto service franchises (Midas, Jiffy Lube, Meineke)
- ✓Retail and service franchises
- ✓Senior care franchises (Home Instead, Visiting Angels)
- ✓Health and wellness franchises
Why Lenders Approve This Industry
SBA maintains an approved franchise registry that dramatically speeds approval for listed brands. FDD data and franchisor revenue disclosures reduce underwriting risk. Multi-unit operators with 2+ profitable locations are tier-1 borrowers.
Typical Qualification Requirements
- ✓Signed franchise agreement or LOI from franchisor
- ✓640+ personal credit score
- ✓Liquid capital for down payment (typically 20–30% for SBA)
- ✓Net worth documentation
- ✓Franchisor approval of buyer for acquisitions
Requirements vary by program and lender. Many businesses that were declined elsewhere qualify through our network.