Franchise Financing for Your Business — Franchise Capital
For franchise buyers comparing SBA 7(a), term debt, and startup reserves before they apply.
Soft inquiry. No borrower fee.
4.9 Excellent · 3,200+ reviews via Big Think Capital- FDD
- Item 19
- SBA 7(a)
- down payment
- liquidity test
- personal guarantee
- seller note
- opening reserves
Franchise financing and SBA loans for aspiring franchise owners
Compare franchise financing options for fees, buildout, and opening cash before you apply.
- $75K-$3M Typical loan size
- 10%-30% Down payment range
- 24-72 hrs Soft prequal timing
What business owners say
4.9-
This company was lightning fast and the experience was amazing. Thank you, Dan — you're a real pro!
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Good service Joseph Krajewski is the best agent ever. He provided excellent service. I strongly recommend working with him if you have the opportunity.
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They gave me a chance when nobody else would. I'm very satisfied.
From franchise plan to funded file
The franchise loan approval process is fit, file, review, and close. If you are learning how to finance a franchise, we sort the deal by brand, liquidity, and timing, then route it to lenders that fit the file.
Soft-pull first
- Prequal starts with a soft inquiry.
- No borrower fee; partner lenders pay for referral flow.
SBA and bank lanes
- We compare SBA 7(a), bank debt, and hybrids.
- Franchise docs drive the route.
Cleaner file
- Know the docs lenders want before you apply.
- Fewer surprises on tax returns and PFS.
Why franchise startups get declined
Franchise loan eligibility usually comes down to liquidity, debt service, and the franchise package, not just credit score. Missing detail on the deal slows the file.
No open-location revenue
A startup franchise has no store history, so banks cannot lean on operating cash flow.
Equity gap
Many deals need 10%-30% down, and some buyers are short on liquid cash.
File is incomplete
Missing FDD, franchise agreement, or tax returns slows the underwriter.
Illustrative franchise deals that funded
These composite files show franchise debt vs equity funding choices lenders often see. They are illustrative only, not real customers.
first-time buyer
Franchise fee, buildout, and six months of working capital
multi-unit operator
Two-unit opening package with equipment, deposits, and reserves
restaurant buyer
Payroll, inventory, and royalty coverage for the first 90 days
semi-passive owner
Acquisition debt for a transfer with a seller note attached
See other funding paths by business stage
If you are comparing franchise lenders near me against broader small-business options, review related coverage on startup capital, acquisition debt, and working capital.