01
SBA 7(a) loans
The most popular franchise financing vehicle in the U.S. Up to $5 million, terms up to 10 years, lower rates than conventional business loans. Lenders typically want 680+ credit and a 10–20% equity injection.
Capital
You do not need the full investment sitting in a checking account.
Most successful franchise owners blend several sources. We map the stack before you spend a dime.
02
ROBS — 401(k) / IRA rollover
Use retirement funds to capitalize your franchise without early-withdrawal penalties or income tax when structured correctly. Often used as the equity injection an SBA lender requires.
03
SBA 504 loans
Built for major fixed assets — real estate and large equipment. If your concept involves buying or building a location, 504 can be a lower-rate alternative to 7(a).
04
Unsecured portfolio loans
Borrow against investment accounts without liquidating them. You keep the portfolio intact while accessing capital, often at favorable rates.
05
Franchisor in-house financing
Deferred franchise fees, equipment vendor financing, and reduced royalties for the first 6–12 months. Always ask — many buyers never hear these options unless they do.
06
HELOC
A home-equity line can supplement an SBA loan with flexible, lower-interest capital. Powerful, and it puts your home on the line — structure it carefully.
07
Partners & investors
Many systems allow multi-unit ownership with silent partners. The right co-investor can cut your personal capital requirement significantly. Have an attorney review the agreement.
We’ll help you map a complete funding strategy on the first consultation.
Talk funding