Proof, Not Promises
We've Funded Franchises Across Every Category
$400K SBA 7(a) for a second fast-casual franchise location. Lender understood the FDD, unit economics, and franchisor requirements. Didn't ask for a separate business plan — the FDD was the plan. 10% down.
Result: $400K funded → 10% down → second location open in 90 days
$250K for a Meineke location. First-time franchise owner. SBA 7(a) covered franchise fee + buildout + equipment + 3 months working capital. All in one loan.
Result: $250K funded → one loan covered everything → opened on schedule
$350K for a new franchise med spa location. Franchisor required specific equipment and buildout specs. Lender who understood franchise requirements funded the exact package needed.
Result: $350K funded → met franchisor specs → opened month 1
$500K for a gym franchise. Equipment alone was $200K. SBA covered the full buildout + equipment + operating reserves. Multi-unit experience helped — this was his 3rd location.
Result: $500K funded → 3rd location → multi-unit operator
$150K for a home services franchise (cleaning/restoration). Lower startup cost, mostly equipment and marketing. Working capital + equipment financing bundled. Revenue started month 1.
Result: $150K funded → revenue month 1 → lean startup
$1.2M for a 3-unit restaurant franchise expansion. Existing 2 locations as proof of concept. SBA lender funded all 3 new locations in one package. Dedicated franchise lending team.
Result: $1.2M funded → 3 new locations → existing proof of concept
My bank asked me to write a full business plan for a franchise that has 500 locations and a 300-page FDD. Bobby connected me with an SBA lender who read the FDD, looked at the unit economics, and funded $400K in 45 days. 10% down.
Ryan M.
Franchise Owner | Dallas, TX
Qualification Estimator
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Full Transparency
The Real Cost of Franchise Financing — No Surprises
Based on $300K franchise startup. SBA 7(a) is the gold standard — lowest down payment, longest term, most predictable payments.
SBA 7(a) is the gold standard for franchise financing. 10% down, 10-year terms, and lenders who actually read the FDD.
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Startup cost, monthly payment, total cost, break-even timeline — calculated in 30 seconds. No signup.
Calculate Your Franchise Financing Cost →Side by Side
SBA 7(a) vs SBA Express vs Conventional
Bobby's take:
The #1 mistake franchise buyers make is going to a bank that doesn't understand franchise lending. They ask you to write a business plan when the FDD literally IS the plan. They question the franchise fee structure. They don't understand royalty payments. Use a lender who does franchise financing daily — they'll close faster and ask fewer pointless questions.
Bobby Friel
Founder, Basecamp Funding
Multi-unit franchise transaction over $1M? Our commercial team structures SBA packages and capital stacks for multi-location expansion.
Talk to a Commercial Specialist →Fear Removal
Every Objection Answered
Can I get franchise financing with no experience?
Yes — that's the beauty of franchise financing. The FDD provides the performance data, training program, and operating system. Lenders evaluate the franchise system's track record, not just yours. First-time franchise owners get funded every day. Strong personal credit, 10% down, and a proven franchise brand go a long way.
What if the franchise underperforms?
Real risk. Before signing, look at Item 19 of the FDD — it shows actual unit economics. If average unit revenue is $800K and your break-even is $500K, there's a healthy margin. If average revenue barely covers costs, that's a warning sign. We'll help you evaluate the numbers before you commit to financing.
The franchisor recommends a specific lender — should I use them?
Get their quote, but don't stop there. Franchisor-recommended lenders aren't always the cheapest — they're the ones who have a referral relationship. We'll compare their offer against 70+ lenders in our network. Sometimes the franchisor's lender wins. Often they don't. Competition drives better terms.
I need funding for multiple locations at once
Multi-unit financing is common in franchise lending. SBA 7(a) goes up to $5M — enough for 2-5 locations depending on the brand. Lenders love multi-unit operators because you have proven execution ability. We structure multi-unit transactions regularly — one loan, one closing, multiple locations.
Does the franchise fee count as part of the loan?
Yes. SBA loans can cover franchise fees, buildout, equipment, signage, inventory, and 3-6 months of working capital — all in one loan. You don't need separate financing for each component. The franchise fee is a legitimate business expense that SBA recognizes.
How long from application to opening day?
SBA 7(a): 45-90 days from application to funding. Add buildout time (varies by franchise — typically 60-120 days). Total timeline: 4-7 months from application to opening. SBA Express is faster: 2-4 weeks to funding. Starting the financing process early is the #1 way to stay on the franchisor's timeline.
Simple Process
How Franchise Financing Works
Tell us the franchise brand, total investment, and your timeline
60-second pre-qualification — no documents yet
Specialist matches you with franchise-experienced SBA lenders
Submit your FDD, financials, and application package
Approval, closing, and funding — lender coordinates with franchisor
Right Fit?
Who Franchise Financing Is For — and Who It's Not For
Great Fit
Not the Right Product
Not sure which product fits? Try the qualification estimator — it recommends the right product based on your situation.
Full Transparency
What Kills Your Franchise Financing Application
You Likely Qualify If
Red Flags That Cause Denials
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Start Your Franchise Financing Before You Sign the FDD
Pre-qualifying for financing before you sign the franchise agreement gives you negotiating power and timeline clarity. 60 seconds, 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
FAQs
Franchise Financing FAQs
Franchise Financing — $50K to $5M+, SBA 7(a), Lenders Who Read the FDD
Most banks don't understand franchise lending. They ask first-time franchise owners to write a 40-page business plan for a concept that already has 500 locations and a 300-page FDD. That's a waste of everyone's time. Franchise-experienced SBA lenders evaluate the franchise system's performance data, not your ability to write a business plan. Run the numbers on our loan cost calculator — you'll see exactly what your monthly payment looks like on the franchise you're considering.
We connect franchise buyers with SBA-preferred lenders who do franchise financing daily: restaurant franchises in Dallas, auto service brands across Oklahoma and Houston, med spa concepts in Scottsdale, fitness brands stretching from Denver into Utah and Nevada, and multi-unit operators expanding across the country. One 60-second application, soft-pull pre-qual, and a specialist who speaks franchise — FDD, Item 19, royalty structures, territory rights, and multi-unit development agreements. $50K to $5M+, 10% down.
Franchise locations need business insurance before opening — most franchisors require it. If you need general liability, property, workers' comp, or commercial auto coverage, our sister company InsuranceService365.com provides business insurance across 29 states.
The Only Risk Is Not Knowing What's Available to You
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