Franchise Financing
From first unit to multi-unit portfolio
Franchise lenders price off brand performance data as much as your personal financials. Loanwise Solutions knows which lenders are actively funding which brands, so approvals hinge on a good match rather than a cold application.
Cash flow challenges we see
- Franchise fees and build-out are due before revenue starts
- Brands on a lender's watch list get quietly declined
- Multi-unit growth outpaces retained earnings
- Equipment packages and working capital are needed together
What owners use financing for
- Fund an initial franchise fee and build-out package
- Acquire an existing franchise unit from another operator
- Open units three through eight with a development line
- Remodel to meet a brand's new image requirements
Typical qualifying profile
- Time in business
- First-time franchisees eligible with industry experience
- Credit
- 680+ FICO typical for SBA franchise loans
- Typical size
- $150K–$5M per project
- Speed
- 30–60 days for SBA; faster on equipment pieces
These are typical ranges across our lending partners, not guarantees. Loanwise Solutions is a broker, not a direct lender — final terms come from the lender we place you with.
Best financing options for franchise owners
Franchise Financing
Fund franchise fees, build-out, equipment, and working capital for new or existing units.
SBA & Alternative Loans
SBA 7(a), 504, Express, and a wide range of alternative funding programs.
Equipment Financing
Finance or lease machinery, vehicles, and technology with the equipment itself as collateral.
Business Acquisition Financing
Finance the acquisition of an established business, partner buyout, or franchise.
Franchise Owners financing: frequently asked questions
Is my brand on the SBA franchise directory?
Most established brands are addressed through the SBA's franchise review process. We confirm eligibility before submitting so you do not lose weeks to a technicality.
How much cash do I need to inject?
Plan for roughly 10% to 20% of total project cost on an SBA franchise loan, though a portion can sometimes come from a seller note or partner equity.
Can I finance multiple units at once?
Yes. Multi-unit operators often use a development facility that funds units as they are built, rather than closing a separate loan per location.
Other industries we finance
Trucking & Transportation
Freight factoring, equipment financing, and working capital for carriers, owner-operators, and logistics companies.
Medical & Dental
Practice acquisition, build-out, equipment, and working capital for physicians, dentists, and specialty clinics.
Construction & Contractors
Working capital, equipment, and receivable financing for general contractors, subs, and specialty trades.
Ready to explore franchise owners financing?
A 15-minute conversation is all it takes to know which lenders fit your business. No obligation.