Franchise Equity Loans & Business Financing Solutions
Access the equity you've built in your franchise business - like a HELOC for franchisees. Fast, flexible financing for expansion, equipment, working capital, and cash-out refinancing with expert guidance from franchise lending specialists.
Popular Financing Options
Fast Approval: Get pre-qualified in minutes. Most non-SBA loans approved within 1-2 weeks - much faster than traditional SBA processing.
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Complete Guide to Franchise Financing Options
Understanding your financing options is crucial for franchise success. Our comprehensive calculators help you compare loan types, rates, and terms to make informed decisions for expansion, equipment purchases, and working capital needs.
SBA 7(a) Franchise Loans
Government-backed loans offering competitive rates (9.5% - 12.5%) and longest terms (up to 25 years) for qualified franchise owners.
- • Up to $5M loan amount
- • Lower down payments (10-15%)
- • Longer repayment terms
- • Fixed and variable rates available
Equipment Financing
Specialized loans for kitchen equipment, POS systems, vehicles, and technology with competitive rates (9.5% - 14.5%).
- • Equipment serves as collateral
- • 100% financing available
- • 3-7 year terms typical
- • Fast approval process
Expansion Financing
Fund new franchise locations, territory expansion, or multi-unit development with rates from 9.5% - 15.5%.
- • Up to $5M+ for expansion
- • 5-10 year terms
- • Multiple location financing
- • Territory development support
Working Capital Loans
Bridge cash flow gaps, manage seasonal fluctuations, or cover operational expenses with flexible terms.
- • Up to $1M available
- • 6 months - 3 years terms
- • Fast funding (24-48 hours)
- • Seasonal payment options
Cash-Out Refinancing
Access equity from your franchise business for expansion, debt consolidation, or personal use with competitive rates (9.5% - 15%).
- • Up to 80% of business value
- • 5-15 year terms
- • Competitive rates (9.5% - 15%)
- • Multiple use options
Acquisition Financing
Purchase existing franchise locations, buy out partners, or acquire competitor businesses.
- • Up to $15M loan amount
- • 7-15 year terms
- • Asset-based lending
- • Seller financing options
Frequently Asked Questions About Franchise Financing
What credit score do I need for franchise financing?
Most franchise lenders require a minimum 600 credit score, with best rates available for scores above 700. SBA loans may accept lower scores with strong business performance and collateral.
How much can I borrow for franchise expansion?
Franchise expansion loans typically range from $100K to $5M+, depending on your business performance, creditworthiness, and expansion plans. SBA loans offer the highest amounts.
What documents do I need for franchise loan approval?
Required documents include business tax returns, financial statements, franchise agreement, personal tax returns, credit reports, and business plan for expansion projects.
How long does franchise loan approval take?
Approval times vary by loan type: equipment financing (1-3 days), working capital (24-48 hours), SBA loans (30-90 days), and expansion loans (2-4 weeks).
Can I get financing for multiple franchise locations?
Yes, many lenders offer multi-unit financing packages with blanket loans covering multiple locations. This can provide better rates and simplified management.
What interest rates can I expect for franchise loans?
Rates vary by loan type: SBA loans (9.5%-12.5%), equipment financing (9.5%-14.5%), expansion loans (9.5%-15.5%), and working capital (12%-18%).