Financing Program
Franchise Financing & SBA Loans
Franchise financing combines SBA programs with conventional lending to help franchisees open new units or expand existing locations. We understand FDD requirements, franchisor approval processes, and how lenders underwrite franchise deals.
Loan Range
$150,000 – $5,000,000
Term Range
10 – 25 years
Structure
Structured capital for franchise startup and expansion
What It's Used For
Common Use Cases
Open a first franchise location
Expand to multiple units within a territory
Acquire an existing franchise resale
Refinance high-cost franchise startup debt
Fund a new brand launch or concept conversion
Program Details
Key Features
SBA 7(a) franchise financing up to $5M
Covers franchise fees, buildout, and working capital
Pre-approved franchise brands with streamlined underwriting
New unit and multi-unit development programs
Conventional franchise acquisition financing available
Equipment and FF&E may be included in the loan
How It Works
How This Financing Is Structured
Franchise financing is typically structured as SBA 7(a) loans, which recognize franchise agreements as collateral and allow longer amortization. Conventional financing may also apply for multi-unit operators with existing cash flow. Lenders evaluate both the borrower profile and the franchise brand's unit economics.
Fit Assessment
Is This the Right Program?
✓ This program IS a good fit when:
- →Established franchise brands with proven unit economics
- →Operators with industry experience and liquidity
- →Multi-unit expansion with existing franchise agreements
- →First-time franchisees with strong financial profiles
✗ This program is NOT the right fit when:
- ✗Unproven or emerging franchise concepts
- ✗Operators with no industry or management experience
- ✗Franchises with unresolved litigation or FDD issues
- ✗Borrowers with significant consumer debt load
Common Questions
Frequently Asked Questions
Keep Exploring
Related Programs
Lines of Credit & Term Loans
Flexible working capital structured around your cash flow
Learn more →Commercial Real Estate Loans
Acquisition, refinance, and construction for income-producing properties
Learn more →SBA 7(a) & 504 Loans & Rates
Government-backed financing for owner-operated businesses
Learn more →From the Insights Library
Related Reading
Ready to Move Forward
Structure Your Franchise Deal
No cost. No obligation. A direct conversation about whether this program fits your deal.