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Fund the build-out and the fee

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

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.

Check my options — free Run the numbers

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.

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

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

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