This Is Why You're Here
Why Franchises Come to Us Instead of Their Bank
You're buying a Chick-fil-A / Wingstop / Jersey Mike's franchise. Total startup: $350K including franchise fee, build-out, equipment, and working capital. You have $80K in savings.
Corporate mandated a remodel by Q3. Non-compliance means losing the franchise. Cost: $120K. Revenue is strong but you need financing to meet the deadline.
You're a multi-unit operator adding your 4th location. Your bank approved 1 loan at a time. You need a lender who'll finance the full expansion plan.
Corporate changed the approved POS system and every franchisee has to upgrade by year-end. That's $28K per location and you run 3 stores. $84K total with a hard deadline.
Your highest-volume location needs a parking lot repave and drive-thru lane expansion — $55K. Customers are complaining about potholes and the drive-thru line backs into the street during lunch rush.
Buying my first franchise was $350K all-in. My bank wanted 30% down. Basecamp connected me with an SBA lender who closed at 10% down — saved me $70K in upfront cash.
David H., Restaurant Franchise Owner, Tampa, FL
Franchise Financing
Get Your Franchise Business Funded in 60 Seconds
Slide the calculator to see your estimated approval range. Then answer 3 quick questions to lock it in. No documents needed. No credit impact.
See What You Could Qualify For
Slide to your average monthly bank deposits.
Estimated Approval Range
Based on 100-150% of monthly revenue
No hard credit pull · No obligation · Estimate only
Built for Your Business
Why Franchise Businesses Choose Basecamp
Corporate Deadlines Don't Negotiate
Corporate says remodel by Q3 or lose the franchise. That's not a suggestion. Your bank wants 90 days to process. You've got 6 months total including construction. We've saved dozens of franchise agreements by funding $120K remodels in under 2 weeks.
Down Payments Are the Real Barrier
Your bank wants 30% down on a $350K franchise package. That's $105K cash. SBA through our network? 10% down — $35K. That's $70K you keep in your pocket for operating expenses. The difference between a funded launch and a cash-strapped one.
Multi-Unit Expansion Needs Multi-Unit Lenders
You're adding location #4 but your bank will only fund one store at a time. By the time they approve #2, the best sites are gone. We connect you with lenders who'll finance the entire expansion plan at once.
Corporate Equipment Packages Cost More
Franchise-mandated kitchen packages run 20-30% more than independent restaurant equipment. You can't shop around — corporate picks the vendors. Equipment financing at 5-15% APR lets you meet corporate specs without draining your reserves.
What You're Up Against
The Real Challenges Franchises Face
Pricing Transparency
What Franchise Funding Actually Costs
Rates vary by credit, revenue, and time in business. These are typical ranges.
These are industry averages. Your actual rate depends on your revenue, credit profile, and time in business — it could be lower. Run your specific numbers in 30 seconds.
Calculate Your Real Cost →Franchise operators face corporate deadlines that don't care about bank timelines. When you've got 6 months to complete a $120K remodel or lose the franchise, you need a lender who moves fast. We've saved dozens of franchise agreements by funding remodels in under 2 weeks.
— Bobby Friel, Basecamp Funding - Founder
How It Works
From Application to Funded in 5 Steps
No paperwork avalanche. No bank lobby. No guessing.
60-Second Application
Answer a few quick questions about your business. No documents needed yet.
Soft Credit Check
We check your options with zero impact on your FICO. Your score stays untouched.
Lenders Compete Behind the Scenes
Your profile is matched to 70+ lending partners. They compete - you never hear from them directly.
One Specialist, Multiple Offers
Your funding specialist presents your best options. No spam calls. No runaround.
Pick Your Offer & Get Funded
Choose the rate and terms that fit. Sign digitally. Funds hit your account - same day available.
Franchise Capital Uses
What Franchise Businesses Use Funding For
Kitchen Equipment
Ovens, fryers, walk-ins, hood systems, POS systems. Upgrade without draining your cash reserves.
Payroll & Staffing
Cover payroll during slow weeks. Hire for the busy season. Retain your best staff year-round.
Renovation & Buildout
Dining room refresh, patio expansion, bar remodel, second location buildout.
Inventory & Food Costs
Stock up for busy season. Lock in bulk pricing from suppliers. Never run out of your best sellers.
Marketing & Promotion
Social media ads, Google Ads, delivery platform fees, grand opening campaigns, loyalty programs.
Second Location
Open a new spot, launch a ghost kitchen, or expand into catering. Scale without risking the mothership.
Full Transparency
What Kills Your Qualification (And What Doesn't)
Most lenders won't tell you this upfront. We will.
✅ These Won't Stop You
These Can Be Deal-Breakers
Need commercial insurance for your franchise business?
Most restaurant lenders require proof of business property and liability coverage. InsuranceService365.com covers restaurants across 29 states with same-day binding.
Don't Wait Until You Need Funding to Get Funded
68% of loan denials happen because of weak financials at time of application. The best time to apply is when your business is performing — not when you're scrambling.
Ready?
See What Your Franchise Business Qualifies For
Slide the calculator, answer 3 questions, and a specialist pulls your options within the hour.
See What You Could Qualify For
Slide to your average monthly bank deposits.
Estimated Approval Range
Based on 100-150% of monthly revenue
No hard credit pull · No obligation · Estimate only
Other Restaurants Specialties We Fund
Click any specialty for tailored financing options.
Recommended Products
Recommended Funding for Franchise Businesses
Working Capital
Cover payroll, rent, and food costs during slow seasons. Fund same day.
Learn More →Equipment Financing
Finance ovens, walk-ins, and kitchen equipment with the asset as collateral.
Learn More →Business Line of Credit
Draw funds for inventory and payroll, repay from weekend revenue.
Learn More →SBA Loans
Long-term financing for buildouts, renovations, and second locations.
Learn More →FAQs
Franchise Business Loan FAQs
Restaurant Franchise Loans & Franchise Financing — $25K to $5M+
You've got the franchise agreement. You know the model works. But the total startup is $350K — franchise fee, build-out, equipment package, and working capital. Your bank wants 30% down. That's $105K cash before you open the doors. SBA through our network? 10% down. $35K. That's $70K back in your pocket for the first 6 months of operations. We connect you with 70+ lenders who fund restaurant franchises every day.
And if you're already operating? Corporate just mandated a remodel. Non-compliance means losing the franchise — the agreement, the revenue, everything. Cost: $120K. Deadline: 6 months. Your bank can't start a review for 90 days. We've funded $120K franchise remodels in under 2 weeks. $350K new franchise packages through SBA. $500K multi-unit expansions for operators adding their 3rd, 4th, 5th locations. One application, 60 seconds, no hard credit pull.
Stop Waiting on Banks. Get Your Franchise Business Funded Today.
60 seconds. No credit impact. No obligation.
See What You Qualify For →No hard credit pull · Free to check · Nationwide