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. Soft-pull pre-qual.
See What You Could Qualify For
Slide to your average monthly bank deposits.
Estimated Approval Range
Based on 100-150% of monthly revenue
Soft-pull pre-qual · 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. Revenue-based franchise financing typically lands at 10-15% across the blended stack — roughly $35K-$50K — because the existing business revenue is the underwriting anchor. That's $55K-$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 lets you meet corporate specs without draining your reserves.
Bobby's Take
Bobby's Playbook for Franchise
Most restaurant franchise operators hear 'restaurants are risky' from every bank they walk into. What banks miss is that brand-system economics with FDD-disclosed unit performance and franchisor royalty mechanics doesn't behave like the independent-restaurant failure stats they're underwriting against. Specialist lenders who fund restaurant franchises know to read your existing-unit cash flow plus franchisor-validated new-unit projections differently. Here's how to position your transaction so the right lenders see it first.
Three things determine whether a restaurant franchise transaction closes: same-store sales trend at your existing unit(s), the franchise brand's system-wide unit economics in your trade area, and the FDD-disclosed performance data. Not just your personal FICO. Not whether you've been at it 24 months. Specialist franchise lenders care about whether your existing unit's sales trend supports a $5,000-$9,000/month payment on the new unit — and whether the brand's national franchise infrastructure de-risks the build.
The biggest mistake restaurant franchise operators make: applying with statements that don't separate franchise-fee and royalty payments from operating expenses, making margin look thinner than it actually is at the unit level. The lender sees compressed unit economics. The fix: produce a clean unit-level P&L with franchise fees and royalties broken out. Specialist franchise lenders normalize the file. Banks see the blended cost structure and underwrite at the lower margin.
franchise unit revenue lost while waiting on the bank
Where this gets interesting at scale: a restaurant franchisee opening a third or fourth unit doesn't need ONE loan. They need equipment financing for the new kitchen line + a working capital line for franchise-fee deposits and grand-opening payroll + a revenue-based term loan against the existing units' royalty-attributable cash flow to cover the leasehold buildout. Three products, three lenders, one application — that's how franchise restaurant operators climb to area-developer status without locking up reserves on a single buildout loan.
The restaurant franchise operators who hit area-developer status fastest aren't the ones who waited for the franchisor to push them. They're the ones who had financing pre-structured so they could break ground on the next unit the moment a territory opened up. Every quarter you delay opening the next unit costs $80,000-$160,000 in royalty-attributable revenue you don't get back. Run the numbers in 60 seconds — see what 70+ specialist lenders will offer your franchise restaurant business this week.
Bottom line:
Restaurant franchisees scale to area-developer status by pre-structuring financing — not by waiting for the franchisor to push them. Territories open and close in 90 days; banks underwrite in 120.
Bobby Friel
Founder, Basecamp Funding
What You're Up Against
The Real Challenges Franchises Face
Pricing Transparency
What Franchise Funding Actually Costs
Rates and terms depend on credit, revenue, time in business, and lender. Every business is unique — see what 70+ lenders will offer you in 60 seconds. Soft-pull pre-qual.
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
Founder, Basecamp Funding
How It Works
From Application to Funded in 5 Steps
No paperwork avalanche. No bank lobby. No guessing.
60-Second Intake
Tell us about your concept, locations, and weekly bank deposits. No P&L upload yet.
Soft Credit Screen
We screen options with no impact on personal FICO or your restaurant's commercial credit.
Restaurant-Specialty Lenders Compete
70+ lenders who fund full-service, fast-casual, food trucks, and franchises review your file in parallel.
One Specialist, Multiple Term Sheets
Your funding specialist walks through equipment finance, working capital, and buildout structures.
Choose Your Offer, Sign, Get Funded
E-signature. Funds hit before payroll runs or the supplier truck rolls.
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
Restaurant cash flow is brutal — payroll Friday, food cost daily, rent monthly, and a Tuesday slow week can wipe the buffer. The operators that survive pre-qualified BEFORE the slow stretch hit. By the time you're stalling on payroll, lenders see stress; before, they see opportunity. Pre-qualify when the room is full.
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
Soft-pull pre-qual · 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. Revenue-based franchise financing through our network — $10K-$5M, 2-7 day funding, 6+ months in business and $10K+ monthly revenue qualifies — typically lands at 10-15% across the stack. That keeps $50K-$70K in your pocket for the first 6 months of operations. 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 (SBA 7(a) or working capital, since this is capex at an existing operating unit). $350K new franchise packages through revenue-based franchise financing. $500K multi-unit expansions for operators adding their 3rd, 4th, 5th locations. One application, 60 seconds, soft-pull pre-qualification.
Stop Letting Slow Tuesdays Drain Your Friday Buffer. Get Your Franchise Restaurant Funded Today.
60 seconds. Soft-pull pre-qual. No obligation.
See What You Qualify For →Soft-pull pre-qual · Free to check · Nationwide