What Is Franchise Financing?

Franchise financing provides capital to open, purchase, or expand a franchise business. At F.G. Howell, we help you navigate SBA 7(a), SBA 504, franchise-approved lenders, and non-bank options to fund buildout, equipment, working capital, or full franchise acquisitions.

See If You Qualify

Start a New Franchise

Fund buildout, equipment, franchise fees, and opening inventory with SBA or franchise-preferred lenders.

Multi-Unit Expansion

Grow from one location to many with structured financing that supports your cash flow.

Franchise Resale Acquisition

Buy an existing franchise with historical financials and lower risk than starting from scratch.

Common Ways Franchise Capital Is Used

Flexible funding designed around franchise growth and operational needs.

Buildout & Construction

Fund leasehold improvements, fixtures, signage, and opening requirements.

Equipment & Fit-Out

Finance kitchen equipment, medical devices, gym equipment, POS systems, and more.

Working Capital

Cover payroll, marketing, inventory, and early-stage operating costs.

Franchise Fees

Finance the upfront franchise fee required to secure your territory.

Expansion Capital

Add locations, purchase more territories, or scale operations.

Training & Staffing

Fund onboarding, hiring, and early-stage staffing needs.

Types of Franchise Financing

Franchise financing isn’t one-size-fits-all. We match your brand, timeline, and financial profile with the right structure.

SBA 7(a) Franchise Loans

  • Typical size: $150k – $5M+
  • Terms up to 10 years
  • Buildout, equipment, working capital
  • Ideal for first-time owners
Get Started

Learn more about SBA 7(a)

SBA 504 for Real Estate

  • Ideal for locations with real estate
  • 10%–15% down
  • Long-term fixed rates
  • Lower monthly payments
Get Started

Learn more about SBA 504

Non-Bank Franchise Lenders

  • $25k – $350k+
  • Fast approvals & funding
  • Useful for buildout gaps or speed
  • Flexible underwriting for newer owners

How the Franchise Loan Process Works

We simplify the steps so you can focus on the franchise, not the paperwork.

1

Prequalify

Tell us your brand, experience, and funding goals.

2

Review Options

We compare SBA and franchise-preferred lenders.

3

Package & Submit

We prepare financials and submit to targeted lenders.

4

Funding

Approvals typically 4–8 weeks depending on structure.

Take the Next Step

Explore YOur Franchise Funding OPtions

Whether you’re opening your first unit or expanding a proven operation, the right financing makes all the difference. We’ll help you find the structure that fits your brand and cash flow.

Start Franchise Assessment
Features

Why Work With F.G. Howell?

SBA-Focused Expertise

We focus on SBA and commercial lending every day, bringing real-world deal experience to each file we touch.

Lender Network

Access to a broad mix of SBA lenders so you’re not stuck with one set of guidelines or one credit box.

Deal Structuring

We help structure terms, equity, and seller notes in ways that match SBA rules and lender preferences.

Hands-On Support

From pre-qualification through closing, we act as your advocate and translator between you and the lender.

Repeatable Process

A proven packaging and submission process designed to reduce surprises and keep deals moving.