Franchise Financing Finder

The most common SBA loan program. Covers working capital, equipment, and business acquisition. Backed by the U.S. Small Business Administration.

Requires good credit (680+), 10-20% down, and 2+ years business experience. Franchise must be on the SBA Franchise Registry.

Long-term, fixed-rate financing for major assets like real estate and heavy equipment. Best for brick-and-mortar franchise locations.

Requires at least 10% equity injection. Issued through Certified Development Companies (CDCs). Not suitable for working capital.

Use existing 401(k) or IRA retirement funds to invest in your franchise — tax-deferred and penalty-free. No loan repayments.

Requires setting up a C-Corp and new 401(k) plan. Ongoing IRS compliance required. Best done through a specialist provider.

Franchise-specialized lender offering SBA loans, ROBS, and conventional financing. Works directly with the FDD process.

Deep franchise expertise. Handles SBA 7(a), SBA 504, ROBS, and portfolio loans. Free funding consultation available.

One of the largest franchise funding companies in the US. Offers ROBS (their Rainmaker Plan), SBA loans, and portfolio loans.

Pioneered the ROBS strategy for franchise funding. Also offers equipment leasing and unsecured business loans.

Many franchisors offer direct financing programs covering the franchise fee, equipment, or buildout costs — often at competitive rates.

Terms vary widely by brand. Ask your franchise development rep specifically about in-house financing during the discovery process.

Leverage existing home equity to fund your franchise. Typically lower interest rates than unsecured loans.

Requires home equity and good credit. Your home is collateral — only suitable if you have sufficient equity and stable income.

Borrow against your 401(k) balance (up to 50% or $50K, whichever is less) for franchise startup costs.

No credit check or application. Must repay within 5 years. If you leave your employer, repayment may accelerate. Small amounts only.