Types of Small Business Loans in Phoenix
Fixed-Term Equipment Loans
A fixed-term loan is ideal when your franchise requires a defined package of equipment. You receive a lump sum upfront and repay it over a predictable schedule, making budgeting simple. This option works well for initial franchise build-outs, franchisor-mandated remodels, or major replacement projects at existing locations.
Franchise Equipment Line of Credit
For franchise owners who regularly open new units or refresh locations, a revolving equipment line of credit provides ongoing access to capital. You can draw funds as needed for furniture, fixtures, signage, displays, or technology upgrades then repay and reuse the line without submitting a new application every time.
Equipment Leasing and Upgrade Programs
Many franchise brands update equipment frequently to maintain brand consistency. Leasing programs reduce upfront costs and help you stay compliant with franchisor standards. Payments can be structured around seasonal sales cycles, and at the end of the term you can renew, purchase the equipment, or upgrade to newer models as required.
Working Capital for Installation and Fit-Out
Equipment purchases are only part of the total project cost. Installation, delivery, electrical work, carpentry, plumbing, and technology setup can add significant expenses. Working-capital financing covers these fit-out costs so you don’t have to pull cash away from essential areas like payroll, inventory, marketing, or grand-opening expenses.
Franchise Expansion & Multi-Unit Rollout Financing
For franchisees scaling into multiple territories or new markets, specialized expansion financing supports larger equipment needs across several locations. This option bundles equipment, installation, and site-prep costs into one structured plan with flexible terms. It allows franchise owners to grow quickly while maintaining consistent equipment standards across every unit.
