Franchise Financing
Whatever your franchise financing needs may be, the expert team at KEYZ Capital is here to provide top-tier lending solutions, tailored to help your business grow and succeed.
What is Franchise Financing?
Franchise financing provides business owners with the funding necessary to purchase, develop, or expand a franchise business. Whether you’re looking to buy into a franchise, open a new location, renovate an existing store, or cover operational costs, franchise loans offer competitive terms, structured repayment plans, and quick access to capital.
Franchise financing can be used for:
Franchise purchase fees
Working capital for new or existing locations
Equipment and inventory purchases
Marketing and brand development
Renovations and leasehold improvements
The Benefits of Franchise Financing
Franchise loans provide structured funding, longer repayment terms, and specialized lending options to help business owners succeed.
Specialized Loan Programs
Offers specialized loan programs catered to franchisees, provided by banks, financial institutions, or the franchisor itself, with terms and conditions customized to meet the specific requirements of franchise businesses.
Collateralization
Typically necessitates collateral in the form of personal or business assets like real estate, equipment, or inventory, where the value of the collateral influences the loan amount and interest rates.
Franchisor Support
Franchisors may offer financial aid to franchisees by providing direct financing options, recommending approved lenders, or assisting with business plans and financial projections to facilitate securing franchise financing.
Flexibility in Funding Sources
Can be obtained from multiple sources, such as banks, SBA loans, equipment leasing, lines of credit, or crowdfunding, with the accessibility of these funding options influenced by factors like franchise brand, creditworthiness of the franchisee, and industry sector.
Established Brand Recognition
Enables entrepreneurs to leverage the established brand recognition of franchises, providing a competitive advantage and potential customer attraction by tapping into the brand's reputation and recognition.
Training and Support
Offers valuable training, support, and resources from the franchisor, including initial training programs, ongoing operational guidance, marketing support, and a network of fellow franchisees, enhancing the chances of success and providing effective navigation of challenges.
Economies of Scale
Allows franchisees to take advantage of economies of scale by accessing bulk purchasing power, shared marketing campaigns, and collective advertising efforts within the larger franchise system, resulting in cost savings, enhanced efficiency, and improved profitability.
Access to Specialized Financing Programs
Provides access to specialized loan programs with favorable terms and conditions catered to the unique requirements of franchise businesses, offering longer loan terms, lower interest rates, and higher loan amounts, simplifying the process of securing funding for entrepreneurs.
Types of Franchise Financing
SBA Franchise Loans
Government-backed loans designed to help franchise owners secure affordable financing with lower down payments.
Loan amounts up to $5 million
Lower interest rates and longer repayment terms
SBA 7(a) and SBA 504 programs available
Franchise Term Loans
Traditional fixed-term business loans used for franchise purchase, expansion, or working capital.
Loan amounts up to $1 million
Fixed monthly payments with set interest rates
Suitable for large, one-time expenses
Business Line of Credit
A revolving credit line providing flexible access to funds when needed.
Credit limits up to $500,000
Only pay interest on the funds used
Ideal for ongoing operational costs and unexpected expenses
Equipment & Inventory Financing
Loans designed specifically for franchise equipment, inventory, and supplies.
Loan amounts based on equipment or inventory value
Fixed repayment terms
Often does not require additional collateral
Franchise Partner Financing
Some franchises offer in-house financing options to help new franchisees cover start-up costs.
Offered directly by the franchisor
May include discounted fees and repayment incentives
Works well for franchises with lower upfront capital needs
Fuel Your Franchise Growth with the Right Financing
Secure the funding you need to start, grow, or expand your franchise with competitive rates, fast approvals, and expert guidance. Whether you need capital for franchise fees, operational costs, or new locations, our team at KEYZ Capital is here to help.
🔹 Fast Prequalification 🔹 Expert Franchise Loan Guidance 🔹 Top Lender Network
Frequently Asked Questions About Franchise Financing
Here are some of the most common questions about franchise loans.
Purchasing a new franchise
Expanding an existing franchise
Equipment, inventory, and supplies
Working capital and operational expenses
Marketing and brand development
Loan amounts range from $50,000 to $5 million, depending on the loan type and franchise requirements.
Interest rates vary but typically range from 5% to 10%, depending on the lender and loan type.
Some loans do not require collateral, while others may require a personal guarantee or business assets.
SBA franchise loans may take 30 to 90 days for approval.
Business lines of credit and term loans can be approved in 1 to 3 weeks.
SBA loans: 640+
Term loans: 600+
Business lines of credit: 620+
Yes! Many lenders offer funding for first-time franchise owners and multi-unit expansions.
Repayment terms vary, ranging from 5 years for smaller loans to 25 years for large franchise investments.
Yes, some franchise loans can be refinanced for better rates, lower payments, or extended terms.
We provide tailored financing solutions, expert guidance, and access to top lenders to ensure your franchise gets the best funding options.
Why Work with KEYZ Capital?
At KEYZ Capital, we specialize in franchise financing for entrepreneurs looking to invest, expand, or develop their franchise business. Our team has extensive experience navigating the lending process, ensuring you get the best terms with minimal hassle.
1
Fast Prequalification & Expert Guidance
We simplify the franchise financing process to help you secure funding quickly.
2
Access to Top Lenders
We connect you with a network of trusted franchise lenders offering competitive terms.
3
Tailored Financing Solutions
We structure loans to fit your unique franchise goals and long-term success.
Loan Types & Products
Business Acquisition
Acquiring a competitor? Buying our a partner? Scaling your empire? We can help.
Working Capital
The quickest way to kill a business is to run out of cash. Let’s talk working capital to keep you alive and thrive.
Equipment Financing
Need any type of business equipment or machinery to operate your business. We can likely help finance it.