Franchise financing

Franchise financing, from signing day to opening day.

Opening your first location, adding another or remodeling the one you run? We match your deal to lenders in our network that understand franchise lending, starting with one application.

Apply now Text (503) 703-5045

What it can cover

What franchise financing can help pay for.

A franchise project is more than the equipment. Depending on the lender and your deal, financing can help cover costs like these.

Franchise fee
Kitchen equipment
Shop and service equipment
Fitness equipment
Work vehicles
Build-out and leasehold improvements
Signage
Furniture and fixtures
Point-of-sale and technology
Opening inventory
Working capital through opening

Who it's for

Whether it's your first location or your next one.

First-time franchisees.
A new location is a new business in a lender's eyes, even with a known brand behind it. We look for lenders that work with first-time owners and tell you up front what they'll want to see.
Owners adding a location.
The location you already run gives lenders a track record to look at. We put your next one in front of the lenders it fits.
Remodels, upgrades and resales.
Updating a location you run, replacing equipment, or buying an existing location from its owner. Tell us about the project and we'll look for the structure that fits.

How we help

One application, matched to lenders that know franchise lending.

1
Apply once.
Tell us about the franchise, the location and the project on one application. We review every application personally and get back within one business day.
2
We match the deal.
We take your deal to lenders in our network that understand franchise lending, instead of you shopping it one bank at a time.
3
We help structure it.
Depending on the lender and your deal, the equipment can be financed on its own, with working capital or a term loan covering the rest. SBA loans, backed by the U.S. Small Business Administration, are an option when your business qualifies.

Before you apply

What to have ready.

Lenders that finance franchises usually ask for these. Having them on hand keeps your deal moving.

Your franchise disclosure document (FDD) from the franchisor
Your franchise agreement, or a letter of intent if it isn't signed yet
Location and lease details
A breakdown of the project's costs
A business plan or financial projections
Ownership details: who owns the business and each owner's share

Common questions

What buyers ask before they reach out.

See the full FAQ

Credit matters, but it's one factor among many. Lenders also look at time in business, homeownership, the type of business you run, how many guarantors are on the loan, and your history with similar-sized loans.

Strong credit gets you the best rates. Weaker credit doesn't automatically disqualify you. There are lenders that specialize in B, C, and D credit tiers, and we work with them when it makes sense for your situation.

Most lenders consider a business a start-up if it's been operating for two years or less. A few want three.

Start-up financing is harder to secure, but not out of reach. Programs exist for newer businesses, especially when the owner has industry experience, decent personal credit, or a down payment in hand. The terms typically aren't as favorable as those for a five-year-old business, but they get equipment under you so you can build.

We never charge you, the customer, anything. No application fees, no consultation fees, no shipping costs. Our consultation is free and you're never under obligation.

Once a loan is placed and you have your equipment, the lender pays us a referral fee on their schedule. Our incentive is to find you a deal you actually close on, with terms you can live with. That's the only way we get paid.