Franchises SBA Loans

Owning a franchise means managing build-out costs, fees, inventory, and staffing while following brand standards. Our programs provide an sba loan for franchise owners so you can launch, remodel, or add locations without overloading your cash flow. Whether you’re opening your first unit or growing a multi-unit portfolio, we offer SBA financing for franchise business needs that match your system and territory.

Franchises SBA Loans

Our franchise-focused SBA options are designed for operators across restaurant, retail, service, fitness, and other national brands. When you’re ready to get SBA loan for franchisees, the process is simple: complete a short online application, upload recent financials and franchise documents, and review tailored offers.

Funding can help cover franchise fees, build-outs, equipment, working capital, or acquisitions of existing locations. From single-store owners to multi-unit operators, we structure each solution so payments align with your sales cycles and royalty schedule, making it easier to apply for franchise SBA loan and stay on top of brand requirements.

Minimum Requirements for Business Funding in Franchises

To qualify for franchise-focused funding, your business should meet these baseline 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 Small Business Loans in Franchises

Small Business Loan

A term-style loan that can cover franchise fees, build-out costs, equipment, and opening working capital ideal as SBA financing for franchise business owners who want predictable payments and a clear payoff plan.

Merchant Cash Advance

Financing based on future card deposits, giving franchisees quick access to cash when they need to complete a remodel, launch a promotion, or cover unexpected expenses before revenue catches up.

Business Line of Credit

A revolving line you can tap for inventory, staffing, local advertising, or seasonal slowdowns, then repay as daily sales come in. This flexible tool works well alongside an sba loan for franchise build-out or acquisition.

Collateral Loans

Loans secured by equipment, furniture, fixtures, or other business assets, allowing you to access larger amounts and longer terms for new locations or major renovations.

Bad Credit Business Loans

Options for franchise owners with credit challenges due to past downturns, closures, or heavy start-up costs. These programs can help stabilize cash flow now and position you to get SBA loan for franchisees on better terms in the future.

Franchise Loan Services

Our franchise loan services are designed around the realities of running a brand-driven business royalty payments, marketing fees, and strict launch timelines. We focus on clear pricing, flexible structures, and a straightforward path from application to funding so you can stay focused on guest experience, compliance, and growth.

Capital can be used for site improvements, required upgrades, equipment replacements, additional units, or buying out a partner. Whether you operate one franchise or several, our goal is to make SBA financing for franchise business needs accessible and tailored to your specific brand system.

Who We Serve

Frequently Asked Questions

What is the process for getting a franchise SBA loan?

You complete a brief online application and upload recent bank statements, franchise agreements, and basic financial documents. Our team reviews your file and matches you with an sba loan for franchise or other SBA financing for franchise business options that align with your brand, location, and goals. Once you select an offer, we finalize documentation, coordinate with the franchisor when needed, and move toward funding so you can handle build-outs, upgrades, or acquisitions on schedule.

What can I use a franchise business loan for?

Loan funds can be used for almost every major cost tied to launching or growing a franchise. That includes initial franchise fees, build-out and construction, equipment, signage, furniture and fixtures, opening inventory, marketing, and working capital for the first several months of operations. Existing franchisees can also use SBA financing for franchise business improvements such as remodels, required brand updates, or purchasing additional units.

Can I qualify if I’m opening my first franchise location?

Yes, many first-time franchisees qualify if they meet minimum credit, liquidity, and experience requirements. When you get SBA loan for franchisees starting out, we pay close attention to your background, the strength of the franchise brand, site selection, and support provided by the franchisor.

What documents are required to apply for franchise SBA loan funding?

Most programs require recent bank statements, personal ID, proof of ownership, and basic financials such as tax returns or a personal financial statement. For franchise deals, you’ll also typically provide the franchise disclosure document (FDD), signed franchise agreement, project cost breakdown, and information on the location or lease.

Franchises SBA Loans