We underwrite franchise dreams — matching aspiring operators, multi-unit owners, and emerging brand founders with SBA loans, equipment financing, and working capital before the first location signs its lease.
Numbers don't negotiate.
Ours speak first.
The median franchise financing package we structure covers initial franchise fees, leasehold improvements, and 90 days of working capital — sized to get you open and operating without burning runway.
Across all franchise categories, FY2023–2025
Our underwriting team pre-qualifies your file before it ever reaches a lender. We package SBA applications the way lenders want to receive them — complete, clean, and decision-ready from day one.
Median close time, all loan types, 2024
We only submit deals we believe in. Our pre-screening process eliminates the applications that aren't ready — which means the files we present to lenders are the ones that close. Your time and credit profile are protected.
Applications submitted to lender network, 2024
We already know your numbers.
Which profile fits you?
The SBA 7(a) is the most powerful tool in franchise finance.
Most bankers file it wrong. We file it right.
The SBA 7(a) loan program provides up to $5 million with 10-year terms for working capital and 25-year terms for real estate. For franchise operators, it's the difference between a buildout that strains your cash and one that runs on the bank's clock.
What most applicants don't know: the SBA doesn't lend money. They guarantee a portion of a loan made by a participating lender. Our job is to identify the right lender for your specific franchise, package your application to their underwriting standards, and remove every friction point between your pre-qualification and your term sheet.
We've filed SBA 7(a) applications for 340+ franchise locations across 67 brands. We know which lenders favor which franchise systems, which ones move faster, and which ones will hold your deal in committee for 60 days because they've never seen your brand before.
- Franchise fee financing (up to $500K)
- Leasehold improvement funding
- Equipment and FF&E inclusion
- Working capital — 90 to 180 days
- SBA Franchise Directory eligibility check
- Personal guarantee structure optimization
"We pre-qualify your file before it touches a lender. Your credit profile stays clean until we know the answer is yes."
Equipment financing moves faster than SBA. Use it strategically.
The right capital stack uses both — sequenced correctly.
A Orangetheory location needs treadmills, rowers, heart rate monitors, and AV systems before it opens. A Jersey Mike's needs slicers, refrigeration, and POS infrastructure. Equipment financing funds these assets directly — with the equipment itself as collateral, not your home.
Equipment loans typically close in 5–7 business days, carry lower rates than unsecured capital, and preserve your SBA capacity for the buildout and working capital. When structured correctly, your equipment financing and SBA 7(a) work in parallel — not in competition.
We source equipment financing through 14 specialized lenders who understand franchise-grade equipment. We negotiate balloon structures, seasonal payment options, and step-up schedules that match your ramp period — because a new location shouldn't be cash-negative in month two because of a flat payment schedule.
- Restaurant equipment — slicers, refrigeration, fryers, POS
- Fitness equipment — cardio, strength, monitoring systems
- Technology — security, AV, scheduling software hardware
- Vehicles and delivery assets
- Seasonal payment scheduling for ramp periods
- Balloon and step-up structure options
"Equipment financing closes in 5 days. SBA closes in 14. Stack them right and your location opens on time."
Your existing units are your best collateral. Most operators don't use them.
Leverage your track record, not just your balance sheet.
Multi-unit operators have a structural advantage in franchise financing that most lenders don't know how to underwrite. Your existing locations generate cash flow, have established brand relationships, and carry equipment that can secure additional credit lines. We build capital structures that treat your portfolio as an asset — not just a background check.
The most common mistake we see: operators approaching their third or fourth location the same way they funded their first. At unit three, you're not a startup. You're a small business with a track record, and your financing should reflect that. We negotiate rates, terms, and structures that match your operating history.
We've structured 200+ multi-unit expansion packages, including same-brand and cross-brand portfolios. Our lender relationships include regional banks with franchise expertise, CDFI lenders, and SBA Preferred Lenders who can move on multi-unit deals without the committee delays that slow first-time operators.
- Portfolio-level collateral structuring
- Cross-brand expansion financing
- Development Agreement funding schedules
- Line of credit against existing unit cash flow
- ESOP and management buyout structures
- SBA Preferred Lender fast-track programs
"Unit three should close faster than unit one. If it didn't, you used the wrong lender."
Your franchisees need capital. We build the program that delivers it.
Candidate financing is a recruitment tool. Treat it like one.
Emerging brands lose qualified candidates at the financing stage — not because the candidates aren't fundable, but because the brand can't hand them a clear path to capital. A candidate who asks "where do I get the money?" and hears "talk to your bank" is a candidate you're about to lose to a more established brand that has the answer ready.
We design franchisee financing programs for brands between 5 and 50 units. The deliverable is a financing resource package — preferred lender relationships, SBA packaging guidelines, qualification frameworks, and a template response for your franchise development team to use in every candidate conversation.
Brands with pre-built financing programs close franchisees 31% faster and report higher Item 19 satisfaction scores. When your FDD includes a financing section with real lender names and real terms, you're not just selling a franchise — you're selling a business that's been designed to open.
- Preferred lender relationship development
- SBA 7(a) packaging guide for your brand
- Candidate pre-qualification framework
- FDD financing section language (legal-reviewed)
- Franchise development team training materials
- Ongoing franchisee financing support
""Where do I get the money?" should have a 3-page answer in your FDD. We write that answer."
Three chapters in, you know
we know what we're doing.
A Capital Strategy Call is 30 minutes. You bring your franchise target and your liquid assets. We bring a pre-qualification framework, a lender shortlist, and a close timeline. No application required to start.
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