Industries

Financing for franchise restaurants

Running a franchise means meeting brand standards and remodeling on a set schedule. We help you explore capital for those investments or financing to buy the property where you operate.

Explore GROW™
Franchise restaurants
GROW™

GROW™ — capital for your next stage

GROW™: up to $350,000, up to 10-year terms, no prepayment penalty and no specific personal collateral required.

Explore GROW™

What owners typically invest in

  • Kitchen and refrigeration equipment
  • Brand-required remodels
  • Point-of-sale and ordering systems
  • Hiring and training staff
  • Opening an additional unit
Rent to equity

OWN™ — buy the building where you operate

The kitchen, hood, grease traps and drive-thru are expensive build-outs tied to the building. If the lease is not renewed, that investment is lost and the traffic you built stays with the address. Owning the property gives you control of occupancy cost and of the remodel calendar.

What lenders typically review

Lenders usually review how long the business has operated, its cash flow, the owners’ credit and unit performance and the franchise agreement. For GROW™, reference guidelines include three or more years in operation, a personal FICO of 650 or above, a minimum SBSS score of 165, personal and business debts current, repayment capacity with a minimum DSCR of 1.25x and no bankruptcy in the last seven years. GROW™ does not require specific personal collateral, though limited business collateral requirements may apply. To buy the property through OWN™, your business must occupy most of the building.

Franchise restaurants

Frequently asked questions

Does capital cover the brand-required remodel?

Yes, it is one of the most frequent uses. Leasehold improvements are contemplated, subject to lender approval.

Can I finance buying another unit?

Eligible business acquisitions are considered in specific industries, and franchises are often included.

Can I buy the building I operate in?

In many cases, yes, through OWN\u2122: amounts up to $5 million or more with a 45\u201360 day target closing.

Do I need franchisor consent?

Usually yes for certain transactions. We review it with you while preparing the file.

Ready for your next stage of growth?

Find out what your business may qualify for

Answer a few questions and an advisor will review your case, with no obligation.

All financing is subject to approval, financial analysis and lender terms.