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Fund the build-out and the fee

Franchise Financing — $10,000 to $5 Million, Funded in 2 to 7 Days

Funding for a franchise usually comes from three places: an SBA 7(a) loan for a first unit (many brands are listed in the SBA Franchise Directory), equipment financing for the kitchen or kit, and express franchise programs for existing operators adding units. Franchise financing pays for the pieces a franchisor's FDD says you need — the franchise fee, the build-out, the opening inventory, the equipment package — and for the second and third unit once the first one works. Lenders like franchises because a proven system is easier to underwrite than an original idea.

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Program guidelines

Amount$10,000 – $5,000,000
Term6 months – 10 years
Speed2 – 7 days
CreditNo minimum
Time in business6+ months
Revenue$10,000/mo ($120K/yr)

Program guidelines shown are our lending partners' published minimums as of September 2026 and can change. They are qualification floors, not an offer.

An owner in a hard hat walking through a half-built restaurant interior

Who this is right for

  • Opening an additional unit with an existing brand
  • Remodels and re-imaging programs the franchisor is requiring
  • Bridging the gap between an SBA approval and an opening date
  • Equipment packages for a new build

How it works

  1. Bring your FDD and the franchisor's cost table.
  2. We match the structure to the spend — equipment financing for the kit, a term loan for the build, a line for opening working capital.
  3. Funding in 2 to 7 days on the express programs.
  4. For multi-unit growth we look at an SBA structure in parallel.

What to watch out for

Every figure on this page is a published program minimum from our lending partner network, not an offer. Your terms come from underwriting.
Straight answers

Franchise Financing — straight answers

How do I get funding for a franchise?
Start with the franchisor's FDD (Item 7 lists the total initial investment), then match each cost to a product: SBA 7(a) for a first unit when you can wait 30–45 days, equipment financing for the equipment package, and an express franchise program (6+ months in business, $10K monthly sales) when you already operate. Expect to bring a cash injection; lenders rarely fund 100% of a project.
Can I finance the franchise fee itself?
Often yes, as part of a broader package. Some lenders will not fund the fee alone but will fund it inside a total project cost.
Is SBA better for a franchise?
For a first unit with time to wait, usually yes — longer terms, lower cost, and many brands are on the SBA Franchise Directory. When the opening date will not wait 45 days, we bridge and refinance.
What if I am opening my first location?
Then look at the startup and equipment programs. The 6+ month time-in-business floor applies to the express franchise programs.

Compare with

Small Business Loans

Term Loans & Working Capital

Business Line of Credit

Draw only what you need

SBA Loans

Lowest cost, longest terms

No cost · No obligation

See if you qualify for franchise financing

One application, a soft review only, and an honest read on whether this is even the right product for you.

Get Pre-QualifiedSee funding options Text FUNDING to (540) 556-4123

Checking your options does not affect your business credit. A soft review only.