Franchises Business Loans

Launching or growing a franchise takes more than energy and a recognizable brand name. You have franchise fees, build-out costs, inventory, staff training, and national marketing to keep up with. Our franchise business loan programs are designed to give you fast access to the capital you need, whether you are opening your first location or adding another unit to your territory.

Why Franchise Owners Turn to Business Loans

Franchise owners often face strict timelines from the franchisor, and delays in funding can mean missing a prime location or launch date. Our franchise business loans give you clear, predictable financing so you can move ahead with confidence.

Whether you need a business loan for franchise fees, construction, equipment, or ongoing working capital, we provide options that match your cash flow. From instant franchise loans to longer-term funding, you can choose the structure that fits your royalty schedule and sales cycle.

Use your funds to cover build-out, signage, opening inventory, payroll, local advertising, and other start-up or growth costs so your franchise can open on time and stay competitive from day one.

Minimum Requirements for Franchise Business Funding

To qualify for a franchise business loan, your company should meet the following basic criteria:

Minimum Revenue	$10,000 / month
Length in Business	5 months or more
Ownership %	Minimum of 51% Ownership
Personal Credit	US FICO 500+

Types of Franchise Business Loan Options

Small Business Term Loan

A term loan provides a set amount of money up front that you repay over a fixed period. This option works well for one-time needs such as franchise fees, remodels, or buying an existing location. Clear monthly payments make it easier to plan around royalties and rent.

Franchise Startup Loans

Franchise startup loans are designed for new owners who are still in the build-out or pre-opening stage. Funds can cover construction, equipment, initial payroll, and grand-opening marketing. This type of instant e-commerce style franchise loan focuses on future revenue potential as well as your experience.

Business Line of Credit

A business line of credit gives you flexible access to funds whenever you need them. Draw only what you use for inventory, seasonal staffing, or short-term cash gaps, then pay it back and reuse the line again. It is a strong fit for multi-unit franchise operators who manage several locations.

Merchant Cash Advance for Franchises

If your franchise processes steady card sales, a merchant cash advance can provide quick funding based on your future receivables. Repayments are tied to your daily or weekly sales, which can help when revenue fluctuates. This option can be useful when you need small business loans for franchise upgrades in a hurry.

Equipment and Fit-Out Financing

From kitchen equipment and point-of-sale systems to furniture and signage, equipment and fit-out financing helps spread those costs over time. Instead of paying everything up front, you can conserve cash while still meeting franchisor standards for layout and branding.

Franchise Loan Services

We understand how important it is to stay in good standing with your franchisor while keeping your local business healthy. Our franchise loan services are built to support both goals.

We help owners manage ongoing working capital, fund marketing pushes, handle royalty and rent obligations, and plan for expansion into new territories. With straightforward terms, fast decisions, and support throughout the process, we work to match the right franchise business loan to your growth plans.

Whether you are opening your first unit or scaling a network of locations, our goal is to make funding one less thing you have to worry about.

Who We Serve

Frequently Asked Questions

What is the process for getting a franchise business loan?

Start by completing a short online application and sharing basic documents such as bank statements and franchise information. Our team reviews your file, discusses your goals, and recommends suitable options, from instant franchise loans to longer-term funding. Once approved, you review the offer and, after signing, funds are typically released within a few business days.

What are the repayment terms for a franchise loan?

Repayment terms depend on the product you choose. Term loans usually have fixed daily, weekly, or monthly payments over a set period. Lines of credit and merchant cash advances are more flexible and adjust with your usage or sales. During the application, we walk through the payment schedule so you understand how it fits with royalties, rent, and other obligations.

Can I apply if my credit score is low?

Yes. While credit history is one factor, it is not the only one. We also look at your franchise brand, revenue, time in business, and overall financial picture. Even if your credit is below what traditional banks prefer, you may still qualify for a franchise business loan with adjusted terms. Our goal is to find a realistic option that your cash flow can support.

What are the eligibility requirements for a franchise business loan?

In general, you should own at least 51% of the business, meet the minimum monthly revenue and time-in-business guidelines, and operate a legally registered franchise in good standing. We may also review your franchise agreement, existing debts, and business plan. These details help us verify that the funding amount and structure are appropriate for your needs.