Franchise Owner Financing — Unit Two, Three and the Remodel You Did Not Budget For

Your franchisor's remodel program, equipment package and opening timeline are not negotiable, and their approved lender list is not always the best price.

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What owners in this industry finance

Franchise fee and new-unit build-out
Mandated remodels and re-imaging
Equipment packages
Multi-unit growth capital

What we would tell you

Get priced by the franchisor's list and by us, then take the better one. On a first unit with time, SBA usually wins; when the opening date is fixed, we bridge and refinance.

The programs that fit best

Franchise Financing

Fund the build-out and the fee

2 – 7 days No minimum FICO

SBA Loans

Lowest cost, longest terms

30 – 45 days (approval in 48–72 hrs) 675+ FICO

Equipment Financing

The machine is the collateral

A few days 580+ (varies by equipment) FICO

Business Line of Credit

Draw only what you need

Same day 600+ FICO

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

Straight answers

Franchise Owners funding questions

What is the best financing option for franchise owners?

It depends on what the money is for. Get priced by the franchisor's list and by us, then take the better one. On a first unit with time, SBA usually wins; when the opening date is fixed, we bridge and refinance.

Can I get funded for my franchise owner business with bad credit?

Several products carry no minimum credit score — equipment financing at 580, and invoice factoring, purchase order financing and revenue-based options with no FICO floor at all. See bad-credit options.

How fast can we get the money?

Same day to three business days on the fast programs from a complete file. Equipment takes a few days, invoice factoring 2–5 days, SBA 30–45 days.

No cost · No obligation

Funding for franchise owners

One application, shopped across 14 programs, no fee to you.

Get Pre-Qualified See funding options

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