Funding Options

Funding Should Not Stop You From Owning a Business

There are more ways to fund your franchise than you think. We help you explore every option at no cost.

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The Reality of Franchise Funding

Most franchise buyers combine multiple sources

One of the biggest fears people have about franchise ownership is whether they can afford it. The good news: most franchise buyers use a combination of funding sources, and many options require far less cash upfront than you might expect.

Funding is one of the most misunderstood parts of buying a franchise. Many people assume they need to have the full investment amount in cash. In reality, lenders and investors expect you to leverage multiple sources, and many programs are specifically designed to help franchise buyers succeed.

Common Funding Combinations

SBA loan + personal savings

401k/ROBS + SBA loan

Home equity + equipment financing

Franchisor financing + savings

Investor partnership + SBA

Common Questions

Funding questions we hear most often

It depends on the franchise, but most lenders want to see 20 to 30 percent of the total investment in liquid capital. For a $200,000 franchise, that could mean $40,000 to $60,000 of your own funds with the rest financed.

Yes, through a strategy called ROBS (Rollover for Business Startups). When done correctly, you can use retirement funds to invest in a franchise without triggering early withdrawal penalties or taxes. We work with specialists who handle this exclusively.

Most SBA lenders look for a credit score of 680 or higher, along with a solid business plan and some industry or management experience. Some programs are more flexible, especially for veterans.

There are still options, including low-investment franchises, franchisor financing programs, or bringing on a funding partner. Our job is to help you find a path that works for your actual situation.

Yes, completely free. We connect you with lenders and funding specialists at no cost to you. Those relationships are part of what we offer as your franchise advisor.