Franchise Financing
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Estimated Approval Range
Based on 100-150% of monthly revenue
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Your Application Gets Matched Across 70+ Lending Partners
70+ vetted lending partners competing for your business
How It Works
How Franchise Financing Work
Franchise financing combines traditional loan structures with franchise-specific underwriting. Lenders evaluate both your personal qualifications and the franchise brand's track record. SBA loans are the most common vehicle, but equipment financing, lines of credit, and portfolio loans are also available for franchisees.
Best For
Ideal Use Cases for Franchise Financing
Real Scenarios
Who Uses Franchise Financing?
These are the kinds of situations where franchise financing make the most sense.
First-Time Franchise Buyer
A corporate professional leaving their W-2 job secures $350K in SBA franchise financing to open their first fast-casual restaurant franchise location.
Multi-Unit Expansion
An existing three-unit franchise operator takes $800K to simultaneously build out two new locations in adjacent markets, leveraging their proven performance.
Franchise Resale Acquisition
A buyer purchases an existing franchise location for $450K using SBA 7(a) financing, acquiring an established customer base and trained staff from day one.
Franchise Buildout and Equipment
A new fitness franchise owner combines a $200K equipment loan with $150K in working capital to complete buildout and cover pre-opening marketing costs.
Converting an Independent to a Franchise
An independent pizza shop owner converts to a national franchise brand, using $175K in financing to cover franchise fees, required renovations, and rebranding.
Emergency Working Capital for New Franchisee
A recently opened franchise takes $40K in short-term working capital to cover higher-than-expected pre-opening costs while waiting for revenue to stabilize.
Full Transparency
Pros & Cons of Franchise Financing
We believe in full transparency. Here's what you should know.
✅ Advantages
⚠️ Considerations
What It Actually Costs
Franchise Financing Pricing - Full Transparency
Interest Rate: 6% - 15% APR (typical range)
Typical Franchise Costs:
Fees
SBA guarantee fees, origination fees, and closing costs vary by loan type and lender. Total financing costs are typically 2-5% of the loan amount in fees.
Key Advantage
Established franchise brands (on the SBA Franchise Directory) qualify for streamlined SBA processing. Our SBA-preferred lenders close franchise loans faster because the brand is already vetted.
Typical Cost Examples
Franchise financing rates depend on the specific brand, borrower experience, credit profile, and loan structure. SBA loans are the most common franchise financing tool. First-time franchisees may need to show relevant industry experience or liquid assets.
Full Transparency
Is Franchise Financing Right for You?
Honest answer. Not every product is the right fit. Here's how to tell.
✅ Good Fit If…
🚫 Consider Something Else If…
Compare
How Franchise Financing Compare
Side-by-side look at how this product stacks up against alternatives.
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See What You Qualify For. No Credit Impact.
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
Industries
Popular in These Industries
Franchise Financing are a top choice for business owners in these sectors.
Related Products
You Might Also Need
Many businesses combine multiple products to cover different needs.
SBA Loans
SBA 7(a) is the most popular franchise financing tool — up to $5M at 6-10% APR.
Learn More →Equipment Financing
Finance required equipment packages separately from franchise fees to reduce upfront cash requirements.
Learn More →Working Capital Loans
Cover launch marketing, hiring, and initial operating costs while your franchise ramps up.
Learn More →Free Tools
Try Our Free Calculators
Estimate costs, compare products, and see what you could qualify for — no email, no signup.
Loan Cost Calculator
Calculate total cost, payments, and APR for any loan product.
Try Calculator →Qualification Estimator
See what you could qualify for based on your business profile.
Try Calculator →Commercial Funding Calculator
Model packages from $500K to $10M across multiple products.
Try Calculator →FAQs
Franchise Financing FAQs
Franchise Financing - Buy, Build, or Grow a Franchise from $25K to $5M
Franchise financing from Basecamp Funding's network of 70+ lending partners covers franchise fees, build-out costs, equipment, and working capital for new and existing franchise operators. SBA 7(a) loans are the most popular option with rates from 6% to 10% APR and terms up to 10 years.
First-time franchise buyers, multi-unit operators expanding to new locations, and franchise resale buyers across restaurants, fitness, automotive, home services, and every other franchise category use Basecamp Funding for streamlined franchise financing. Our SBA-preferred lenders process franchise loans faster because established brands are already vetted. One 60-second pre-qualification, no hard credit pull.
“$400K to open a second franchise location. The lender Basecamp matched me with specializes in franchise financing — they understood the FDD and didn't ask a hundred unnecessary questions.”
Kevin M.
Franchise Owner | Dallas, TX
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