Buying into a franchise. Funding it sensibly.

Franchise lending is usually easier than independent business lending of equivalent scale because the franchise system provides much of the underwriting (proven economics, standardised model, brand support). Pricing is often better; setup speed is often faster.

Many major franchise systems maintain pre-accredited lender relationships that streamline financing for new franchisees. Aggregator-level franchise programs sometimes pre-approve specific systems with multiple lenders.

For hospitality and fitness franchises, fitout finance is usually a major component (often 50%+ of total setup cost). Standard equipment-finance treatment for hard goods plus working capital for soft costs; franchisor often specifies preferred suppliers.

Lenders typically expect 6 to 12 weeks of operating capital alongside setup costs. Underestimating this is one of the main causes of new-franchisee distress; we model it honestly into the funding plan.

Multi-unit franchisees usually run a structured asset facility with their preferred lender, with each new outlet financed under the facility umbrella. Significantly faster than per-outlet individual applications once a track record is established.