Franchise Financing Nationwide From $10,000 to $5 Million
πͺ Buy, Build or Expand a FranchiseI’m Kevin Kermeen, a nationwide commercial loan broker, not a bank. Franchise financing gives you the capital to start, buy or expand a franchise, franchise fees, build-out, equipment, inventory and working capital. Whether you’re buying your first location or opening your fifth, from $10,000 to $5 million, I match you to the right lender.
Two Paths to Franchise Financing
Whether you’re buying into a franchise for the first time or expanding an operation you already run, there’s a path built for you. The right structure depends on which one you are, so I match accordingly.
New Franchise Buyer
- βBuying your first unit, with no operating history yet.
- βOften financed through an SBA 7(a) loan, the standard vehicle for franchise acquisition.
- βUnderwriting leans on the brand’s strength, your experience and the projections.
- βCovers the franchise fee, build-out, equipment and opening working capital.
Existing Operator
- βOpening another unit, upgrading or adding working capital.
- βQualify on revenue: generally 6+ months in business and $10,000+ in monthly sales.
- βYour existing franchise performance strengthens the approval.
- βFast, revenue-based options can fund in as little as 2 to 7 days.*
A Proven Operator Opened a Third Location on the Strength of the First Two
A franchise owner running two successful units found the perfect spot for a third, but the landlord needed a fast commitment and the bank wanted months of review.
They called me. Because their existing units showed strong, consistent revenue, I matched them to a franchise financing program that leaned on that track record instead of starting from zero. Funding came through quickly, they locked the lease, and the third location opened on schedule.
That is the advantage of being a proven operator: your performance is your leverage. Don’t Beg the Bank! Get funded instead.
What Franchise Financing Covers
Franchises are structured, branded and proven, but they require capital at every stage. Franchise financing covers the costs of getting open and growing.
Franchise Fees
Cover the initial franchise fee and the cost of securing your brand and territory.
Build-Out and Leasehold
Fund construction, leasehold improvements and getting your location ready to open.
Equipment and Technology
Buy the equipment, POS and technology systems the brand requires to operate.
Inventory and Supplies
Stock your opening inventory and the supplies you need to start serving customers.
Working Capital
Cover payroll, marketing commitments and operating costs through your ramp-up.
Additional Locations
Fund expansion, down payments and the cost of opening your next unit and beyond.
Franchise Financing Is Delivered Through the Right Vehicle
Franchise financing isn’t one product, it’s whichever structure fits your situation best. I match you to the right one, tap any to explore it.
SBA 7(a) Loans
The most common vehicle for buying a franchise, with strong long-term terms and lower rates.
See SBA 7(a)Working Capital Loans
Fast, revenue-based cash for an operating franchise that needs capital quickly.
See working capitalEquipment Financing
Finance the kitchen, POS or equipment the brand requires, with the equipment as collateral.
See equipment financingBusiness Line of Credit
Revolving capital to manage the ups and downs of running a franchise location.
See lines of creditAll SBA Programs
The full range of government-backed options for franchise purchase and growth.
See SBA loansFranchise Restaurant Loans
Financing built for restaurant franchises, one of the most common franchise categories.
See franchise restaurant loansQualifying for Franchise Financing
It depends on which path you’re on. Existing operators qualify largely on revenue and track record; new buyers qualify on the brand, their experience and the deal. I qualify both honestly so neither of us wastes time.
β Existing operators
- βGenerally 6 or more months in business.
- β$10,000 or more in monthly gross sales.
- βExisting franchise performance strengthens the approval.
- βMulti-unit owners can leverage their operating history.
π‘ New buyers and credit
- βNo operating history needed, new acquisitions are commonly financed through SBA 7(a).
- βUnderwriting weighs brand strength, your experience and projections.
- βCredit is flexible, there’s no hard FICO floor just to apply.
- βStronger credit means better rates and terms.
Before you commit to any franchise, review the brand’s Franchise Disclosure Document carefully, and talk to your franchisor about their own financing too, then let me help you shop it against better options.
Get Your Franchise Financing Options
A quick, no-pressure pre-qualification. I personally review every submission, no call center, no junior rep, and no selling your info to a third party.
Got it. I’m on it.
Your franchise 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.
Three Steps. Fast and Direct.
No complicated paperwork upfront, no faceless portal, no junior rep. You deal with me from application to funding.
Apply
Tell me whether you’re buying or expanding, the brand, and how much you need.
I Match You
I match you to the right structure, SBA for a purchase, revenue-based for an operator, and walk you through the options.
Get Funded
You finish the documentation and get funded, with express options in as little as 2 to 7 days.*
Recent Franchise Financing From My Desk
A snapshot of the franchise financing I match to lenders across the country. Every brand and operator is different, yours starts with a conversation.
3rd Restaurant Unit
A proven operator opened a third location on the strength of two existing units, funded fast.
Franchise Financing Β· SBA 7(a)
A first-time buyer financed the franchise fee, build-out and opening capital through an SBA 7(a).
Equipment for a New Unit
An existing franchisee financed the equipment package for a new location, preserving cash.
How I Match Franchise Financing to the Right Lender and Structure
Franchise financing isn’t a single product, it’s whichever structure fits your situation, a term loan, an SBA 7(a), working capital, equipment financing or a revenue-based program. I work with many lenders, so I match your franchise financing to the one that funds your brand and your stage, and I review the options with you. That is the whole point of working with me.
Here is how it works. Franchises are structured, branded and proven, but they require capital, franchise fees, build-out, equipment, inventory, working capital and down payments. The right way to fund that depends on whether you’re buying or growing. New franchise buyers, with no operating history yet, are most often financed through an SBA 7(a) loan, where underwriting leans on the brand’s strength, your experience and the projections rather than a track record you don’t have yet. According to the U.S. Small Business Administration, franchising represents a significant share of small business activity, and the International Franchise Association reports that franchising contributes hundreds of billions of dollars to the U.S. economy each year.
Existing operators have a different and often faster path. If you already run a unit, you can generally qualify on revenue, typically 6 or more months in business and $10,000 or more in monthly gross sales, and your existing franchise performance strengthens the approval. If you operate one successful unit, that data makes underwriting the next one easier. Credit is flexible, there’s no hard FICO floor just to apply, though stronger credit means better rates and terms. Before you commit to any brand, review its Franchise Disclosure Document carefully, the Federal Trade Commission requires franchisors to provide it, and talk to your franchisor about their own financing, then shop it against better options.
So tell me where you are. Buying your first franchise? An SBA 7(a) loan or the broader SBA loan programs. Need fast cash for a unit you run? Working capital loans or a business line of credit. Outfitting a location? Equipment financing. Running a restaurant franchise? Franchise restaurant loans. Just getting started in business? Startup business funding. Bigger picture? See small business loans or my full loan programs. Don’t Beg the Bank! Get funded instead.
Sources: U.S. Small Business Administration, SBA 7(a) loan program; International Franchise Association, franchise economic data; Federal Trade Commission, guide to buying a franchise and the FDD; U.S. Census Bureau, Statistics of U.S. Businesses.
Straight Answers Before You Apply
What is franchise financing?
How do I finance buying a new franchise?
Can I get franchise financing to expand an existing franchise?
What credit score do I need for franchise financing?
How fast can franchise financing fund?
What does it cost to work with you?
A Franchise Financing Advisor Who Knows Both Paths
I’m Kevin Kermeen, the nationwide commercial loan broker behind 75BizLoans.com, not a bank and not a lead-selling portal. Buying your first franchise and expanding your fifth are completely different financing problems, and the right structure for one is wrong for the other. I match your franchise financing to the lender and vehicle that fits your stage, SBA for a purchase, revenue-based for an operator, and stay with you through it. I personally review every application, I call you directly, and I never text. For franchise acquisition, see the SBA’s 7(a) loan program and its 504 loan program.
Get Funded Instead.
Banks hand out umbrellas when the sun is shining, not when you’re weathering the storm … and the right territory or the right lease won’t wait months for a bank to decide. I match you to franchise financing built for your stage … buy your first unit through SBA, expand on your track record with fast revenue-based capital, $10,000 to $5 million, and 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, franchise brand, creditworthiness, business performance and structure. Franchise financing generally ranges from $10,000 to $5 million with terms from 6 months to 10 years depending on structure. *Express funding in 2 to 7 days applies to certain revenue-based programs for operating businesses and is not guaranteed; SBA loans for franchise acquisition follow standard SBA timelines. Qualification differs by path: existing operators generally need at least 6 months in business and $10,000 or more in monthly gross sales; new franchise purchases are commonly financed through SBA 7(a) and underwritten on brand strength, experience and projections. Credit is considered along with other factors; there is no hard minimum FICO simply to apply, but stronger credit supports better rates and terms, and not all applicants are approved. Review the Franchise Disclosure Document before committing to any brand. *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.