From franchise fee to build-out to working capital — compare franchise financing offers from multiple lenders and get your new location funded.
Check My Eligibility →Franchise financing covers the costs of opening and running a franchise: the initial franchise fee, build-out, equipment, inventory and opening working capital. Because many franchise systems are SBA-approved, franchise loans are often the most structured path to small business ownership.
Lenders look at the franchise's performance record, your experience and the total investment the franchisor outlines in the FDD. Through BidMyCapital you can compare franchise funding options from multiple lenders.
Most systems are pre-approved or eligible for SBA financing.
Fee, build-out, equipment and working capital are financed separately.
The location's revenue services the loans as it matures.
SBA franchise loans carry capped rates with long terms: 10 years for working capital, 10 to 25 years for real estate. Non-SBA franchise loans cost more but fund faster. Equipment and leasehold portions are financed separately for better pricing.
Systems on the SBA franchise directory are easiest to finance.
Franchise loans typically require a meaningful down payment.
Personal credit 650+ is usually expected.
Lenders confirm the franchisor approves the financing structure.
Franchise financing usually combines SBA loans, equipment financing and a working capital line, structured around the investment the franchisor lists in the FDD.
Yes. Franchises are among the few business models that can secure startup funding, because lenders can underwrite the system's track record rather than your business history.
If your franchise is on the SBA directory, it unlocks the lowest rates and longest terms for the franchise fee, build-out and equipment.
Franchise lenders typically require 20% to 30% of the total investment in cash, with the rest financed.
The franchise fee, leasehold improvements, equipment, initial inventory and opening working capital.