Franchise financing provides capital to entrepreneurs seeking to open, acquire, or expand a franchised business. This funding covers franchise fees, equipment, real estate, inventory, and initial working capital. Lenders often look at the franchise brand’s track record, the borrower’s credit, and cash flow projections.

Example: Someone opening a Dunkin' location may use a franchise loan to pay the $40,000 franchise fee, lease equipment, and cover build-out costs.

Franchise businesses can access SBA 7(a) loans, equipment financing, term loans, and merchant cash advances. SBA loans are popular due to low rates and long terms, while equipment financing helps acquire necessary tools without high upfront costs.

Example: A new franchisee of Anytime Fitness could use an SBA loan for upfront costs and an equipment lease to furnish the gym.

Many lenders require some business or management experience, but franchise systems often provide training. Strong personal credit, a solid business plan, and sufficient liquidity are usually more important. Some lenders specialize in franchise lending and evaluate the franchise's brand strength.

Tip: Focus on semi-absentee or turnkey franchises with strong brand support if you lack prior business experience.

Fleet truck financing provides capital to businesses needing to purchase or lease multiple commercial vehicles. It's ideal for logistics companies, delivery services, or contractors growing operations. Financing can include leases, loans, or lines of credit for fleet maintenance.

Example: A plumbing company expanding to a new service area may finance 5 work vans under a fleet program.

Financing offers cash flow flexibility, tax advantages, and preserves capital for other business needs. Fleet financing may also include maintenance packages, insurance, or buyback guarantees, lowering total cost of ownership.

Example: A last-mile delivery firm can lease 10 vans with zero down and fixed monthly payments instead of tying up $400,000 in cash.