Franchise financing, from SBA loans to startup capital. — Franchise Capital
Compare every way to finance a franchise — SBA 7(a) franchise loans, conventional debt, startup funding, and working capital — with real requirements and down-payment math before you apply.
Soft inquiry. No borrower fee.
4.9 Excellent · 3,200+ reviews via Big Think Capital- Franchise financing
- SBA franchise loans
- FDD
- Item 19
- Down payment
- Franchise startup loans
- Working capital
- ROBS 401(k)
Franchise financing and SBA loans for aspiring franchise owners
SBA franchise loans, startup funding, and every financing option — each guide below covers rates, requirements, and how to qualify.
- SBA SBA franchise loans The complete 2026 guide: 7(a) eligibility, rates, down payments, and the approval process step by step.
- OPTIONS Franchise financing options Every source of franchise capital compared — SBA, banks, franchisor programs, ROBS, and more.
- STARTUP Franchise startup loans Funding a first franchise with no operating history: what lenders accept instead.
- REQUIREMENTS SBA 7(a) requirements The document checklist and eligibility tests lenders apply to franchise files.
- $75K-$3M Typical loan size
- 10%-30% Down payment range
- 24-72 hrs Soft prequal timing
What business owners say
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From franchise plan to funded file
The franchise loan approval process is fit, file, review, and close. If you are learning how to finance a franchise, we sort the deal by brand, liquidity, and timing, then route it to lenders that fit the file.
Soft-pull first
- Prequal starts with a soft inquiry.
- No borrower fee; partner lenders pay for referral flow.
SBA and bank lanes
- We compare SBA 7(a), bank debt, and hybrids.
- Franchise docs drive the route.
Cleaner file
- Know the docs lenders want before you apply.
- Fewer surprises on tax returns and PFS.
Why franchise startups get declined
Franchise loan eligibility usually comes down to liquidity, debt service, and the franchise package, not just credit score. Missing detail on the deal slows the file.
No open-location revenue
A startup franchise has no store history, so banks cannot lean on operating cash flow.
Equity gap
Many deals need 10%-30% down, and some buyers are short on liquid cash.
File is incomplete
Missing FDD, franchise agreement, or tax returns slows the underwriter.
Illustrative franchise deals that funded
These composite files show franchise debt vs equity funding choices lenders often see. They are illustrative only, not real customers.
first-time buyer
Franchise fee, buildout, and six months of working capital
multi-unit operator
Two-unit opening package with equipment, deposits, and reserves
restaurant buyer
Payroll, inventory, and royalty coverage for the first 90 days
semi-passive owner
Acquisition debt for a transfer with a seller note attached
Go deeper on franchise financing
Read the full guides on SBA franchise loans, down payments, bad-credit options, veteran programs, and what a franchise really costs before you commit.