Industries
Business Funding for Franchise Operators
Opening costs, mandated remodels, and multi-unit expansion for established operators.
- No upfront fees
- Soft credit pull
- All 50 states
Common Scenarios
Why franchise businesses call us
A franchisor-mandated remodel with a deadline
The brand refresh isn't optional and renewal depends on it. A term loan spreads a required capital expense across years rather than forcing it through one quarter's cash flow.
Unit two funded off unit one's numbers
The first location has a track record, which is the strongest thing you can bring to a second buildout. Financing the expansion on documented performance beats financing it on a projection.
Opening costs while the buildout still has draws left
Initial inventory, hiring, training, and the grand-opening marketing minimum all land before revenue does. Working capital covers the ramp between construction and a functioning P&L.
Funding That Fits
Which option usually fits — and why
Listed in the order they most often come up for this industry. Most files end up using one; some use two together.
Qualifying
What you'll need
- Six or more months operating for revenue-based products
- Roughly $10,000+ per month in deposits per operating unit
- Your franchise agreement or FDD available
- A business bank account per entity, as the agreement requires
- An equipment quote or a documented remodel scope
- Unit-level financials for expansion and acquisition requests
How Lenders Read It
Franchisors frequently require lender approval, restrict new debt, or maintain a preferred-lender list — and finding that out at signing rather than at application is one of the most common ways a franchise file dies late. Tell your advisor the brand up front; it genuinely changes which lenders can fund you.
See the full processFAQ
Questions from franchise owners
I'm a first-time franchisee with no unit open yet.
That's startup financing, not revenue-based funding, and it's a different process — it leans on personal credit, liquidity, industry experience, and the brand's own lending relationships. Some lenders do it; expect a longer timeline and more documentation.
Does my franchisor have to approve the funding?
Often, yes. Many agreements require consent for new debt or for liens on unit assets. It's usually a formality when handled early and a deal-breaker when discovered late.
I operate several units. One file or several?
It depends on how the entities are structured. Multiple units under one entity usually underwrite as one file; separate entities may need separate files or a guarantee structure across them. Your advisor will map it before anything goes out.
More questions? Read the full FAQ
Funding for your franchise business.
One application, real offers to compare, and no fee unless your business is funded.