Franchise Restaurant Financing Nationwide for Franchisees, $10K to $5M
🏷️ Financing Built for FranchiseesI’m Kevin Kermeen, a nationwide commercial loan broker, not a bank. Franchise restaurant financing funds the whole package, the franchise fee, the build-out to brand spec, the mandated equipment and the working capital to open. Lenders like franchises because the brand is a proven model, and many are on the SBA Franchise Directory, which speeds approval. Opening your first unit or your fifth? I match you to lenders who fund franchisees and move at your franchisor’s timeline.
Franchise Restaurant Financing for Every Part of the Deal
Whether you’re opening your first unit, buying an existing franchise, or adding locations, there’s a path built for it. Here’s what franchise restaurant financing commonly covers.
Franchise Fee and Royalties
Cover the upfront franchise fee and the working capital to meet your brand’s ongoing royalty and marketing obligations.
Build-Out to Brand Spec
Finance the buildout the franchisor requires, design, layout, signage and finishes, exactly to brand standards.
Mandated Equipment Package
Finance the exact equipment package your franchisor specifies, the line, the POS, the whole approved kit.
Existing Franchise Acquisition
Buy an open, operating franchise unit from a current franchisee, underwritten on its cash flow.
Multi-Unit Development
Fund a multi-unit area development agreement, the capital to open several locations on the franchisor’s schedule.
Working Capital and Real Estate
Cover the opening ramp-up, or own the building your franchise operates in with real estate financing.
A First-Time Franchisee Opened on the Franchisor’s Timeline, Not the Bank’s
A first-time franchisee was approved by a well-known restaurant brand and signed the franchise agreement, with a hard deadline to open. The local bank moved at its own slow pace, threatening the franchisor’s timeline and the whole deal, even though the brand was a proven model.
They called me. Because the brand was on the SBA Franchise Directory, I matched them to an SBA 7(a) franchise loan that financed the franchise fee, the brand-spec build-out and the equipment package in one approval, structured to hit the franchisor’s deadline. It funded on time, the unit opened on schedule, and the franchisee never lost the deal.
That’s what the right match looks like for a franchisee. Don’t Beg the Bank! Get funded instead.
How I Fund Franchisees, the Right Tool for Each Need
Franchise restaurant financing isn’t one product. The right structure depends on your brand and your plan. I match you to the one that fits, tap any to explore it.
SBA 7(a) Loans
The dominant vehicle for franchises, especially brands on the SBA Franchise Directory, often limited money down.
See SBA 7(a)Equipment Financing
The franchisor’s mandated equipment package, with the equipment itself as collateral.
See equipment financingSBA 504 and Real Estate
Own the building your franchise operates in with long-term, fixed-rate commercial real estate financing.
See SBA 504SBA 504 and Real Estate
Building or buying the property for your franchise? Long-term, fixed-rate real estate financing.
See SBA 504Working Capital
Cover the opening ramp-up and royalties before the new unit hits full sales.
See working capitalLine of Credit
Revolving capital for the ups and downs of running a franchise, draw only what you need.
See lines of creditQualifying for Franchise Restaurant Financing
Franchise restaurant financing is often easier to approve than an independent restaurant, because the brand is a proven model with a track record the lender can study. A franchisee with strong credit, the required down payment and a brand on the SBA Franchise Directory is a strong borrower, even as a first-timer. I qualify deals honestly.
✅ What helps you qualify
- ✔An approved or pending franchise agreement with a recognized brand.
- ✔Strong personal credit and the required down payment, the foundation lenders want.
- ✔An approved or pending franchise agreement with a recognized brand.
- ✔A down payment or contribution, which a parent or family member can help with.
💡 Straight talk
- →Brands on the SBA Franchise Directory get faster, smoother approvals.
- →The brand’s proven model strengthens your file, even as a first-time franchisee.
- →Credit is flexible, there’s no single hard FICO floor; stronger credit means better terms.
- →A past bank rejection does not disqualify you; the deal and your credit matter more.
Get Your Franchise Restaurant Financing Options
A quick, no-pressure pre-qualification. I personally review every submission, no call center, no junior rep.
Got it. I’m on it.
Your franchise restaurant financing request landed in my inbox. I personally review every submission and most responses go out within one business hour.
Watch for a call from me, Kevin Kermeen, I call directly, I don’t text.
Recent Franchise Restaurant Financing From My Desk
A snapshot of the franchise restaurant financing I match to lenders nationwide, franchisee by franchisee. Every brand and franchisee is different, yours starts with a conversation.
Franchise Restaurant Financing · SBA 7(a)
A first-time franchisee funded the fee, build-out and equipment in one approval, on the franchisor’s deadline.
Multi-Unit Development
An operator financed a three-unit development agreement to open locations on the franchisor’s schedule.
Existing Franchise Buy
A buyer acquired an open, profitable franchise unit from a retiring franchisee, underwritten on its cash flow.
How I Match Franchise Restaurant Financing to the Right Lender
Lenders treat franchises very differently, and the ones active with your specific brand will move faster and price better. I work with many, so I match your franchise restaurant financing to the lender that knows your franchisor and funds your goal, a new unit, an acquisition, multi-unit development or real estate, and I review the options with you before you commit.
Here’s the reality for a franchisee. A franchise is often easier to finance than an independent restaurant, because the lender is not betting on an untested concept, they are backing a brand with a documented track record, unit economics and a Franchise Disclosure Document. Many recognized brands sit on the SBA Franchise Directory, which streamlines the SBA 7(a) approval that funds the franchise fee, the brand-spec build-out and the mandated equipment in one package. The catch is timing: your franchisor sets a hard deadline to open, and a slow bank can put the whole agreement at risk, which is exactly why matching you to a lender who already works with your brand matters. According to the U.S. Small Business Administration, the 7(a) program is designed precisely for this kind of business startup, acquisition and expansion.
The right structure depends on what you’re doing. A franchise usually runs through an SBA 7(a) loan, and broader options live across the SBA loan programs. The franchisor’s mandated equipment package is best matched to equipment financing, where the equipment is the collateral. If you want to own the building, an SBA 504 loan or commercial real estate loan gives long-term, fixed-rate terms. Opening an independent restaurant instead points to restaurant startup financing, and the ramp-up months are covered by working capital loans or a business line of credit.
So tell me which brand you’re opening and your timeline, and I’ll tell you honestly which franchise restaurant financing fits, match you to a lender who knows your franchisor, and stay with you through closing. Other food businesses, see my restaurant financing hub, or compare every option on my loan programs page. Don’t Beg the Bank! Get funded instead.
Sources: U.S. Small Business Administration, 7(a) loan program and 504 loan program.
Straight Answers Before You Apply
What is franchise restaurant financing?
Is a franchise easier to finance than an independent restaurant?
What does franchise financing actually cover?
Can I finance multiple franchise units?
How much can I borrow for a franchise restaurant?
What does it cost to work with you?
A Broker Who Knows Which Lenders Fund Your Brand
I’m Kevin Kermeen, the nationwide commercial loan broker behind 75BizLoans.com, not a bank and not a lead-selling portal. Franchise lending moves on the franchisor’s clock, and matching you to a lender who already works with your brand, so you open on time, is the whole point of working with me. I personally review every application, I call you directly, and I never text. For program details, see the SBA’s 7(a) loan program.
Don’t Beg the Bank!
Get Funded Instead.
Banks hand out umbrellas when the sun is shining, not when you’re weathering the storm … and they’ll move so slowly you lose the franchise deadline. I match you to franchise restaurant financing built for your brand … fund the fee, build-out and equipment in one SBA approval, hit your franchisor’s deadline, and get a same-day callback from a broker who reviews every deal himself.
Loan amounts, terms, rates and funding speed shown reflect typical lender programs, not guarantees, and vary by lender, creditworthiness, brand and unit performance, collateral and structure. Franchise restaurant financing generally ranges from $10,000 to $5 million depending on the brand and need. *Franchise financing is commonly financed through SBA 7(a); SBA loans follow standard SBA timelines and eligibility, and “no two years of history needed” refers to acqloans underwritten on the brand’s track record and the unit’s projected cash flow rather than the borrower’s prior business history. Credit is considered along with other factors; there is no single hard minimum FICO simply to apply, but stronger credit supports better rates and terms, and not all applicants are approved. *No upfront fees refers to fees payable to 75BizLoans.com; I am compensated by the lender at closing. Some partner lenders may require a commitment fee or deposit upon your acceptance of their term sheet; any such fee is the lender’s, is disclosed before you commit, and is separate from any compensation to me. Final eligibility, rate, term and structure are determined by the lender. This is not a commitment to lend. Same-day approvals are common when the application reaches me before 9am Arizona Time.