We understand the franchise playbook.
Franchisors often specify equipment, finishes, and technology down to the model number. We structure financing around those required packages instead of fighting them.
Industries we serve
Franchise Financing
Opening a franchise means paying for a lot at once: the franchise fee, the build out, a full equipment package, signage, opening inventory, and enough cash to carry the business until sales ramp up. Multi unit operators face the same stack of costs every time they add a location, buy out a partner, or complete a brand mandated remodel. The right mix of financing keeps those projects moving without draining the reserves your franchisor expects you to hold.
MissionFund is a veteran owned commercial finance brokerage, not a lender. We take one application, check your options with a soft credit pull, and shop your request across 60+ lending sources. That gives new franchisees and seasoned operators a clear look at SBA loans, equipment financing, working capital, and lines of credit side by side, with funding from $10K to $5MM+.
Franchise Projects We Help Finance
Pick the project that matches where you are right now, from signing your first agreement to refreshing a location you've run for a long time.
New Locations
Fund the build out, equipment, signage, and opening costs of a new unit.
Acquisitions
Buy an existing franchise unit or a group of locations with the right loan.
Refinancing and Buyouts
Refinance franchise debt, buy out a partner, or plan an ownership change.
Equipment and Remodels
Cover brand mandated remodels, equipment upgrades, and technology refreshes.
How Franchise Financing Works
Apply in minutes.
Tell us about your franchise, the project, and the amount you need. We use a soft credit pull only, so checking your options won't affect your credit score.
We compare 60+ lending sources.
We match your project to the lenders most likely to fit it. A ground up location often lines up with an SBA loan, while an equipment package can move faster through equipment financing.
You choose.
We lay out the offers in everyday terms so you can compare structure, timing, and requirements before you commit. No pressure, and applying is free.
You get funded.
Once you accept, we help you gather the final items. Equipment deals can often close with just a driver's license and the vendor invoice, while larger SBA projects need a fuller document package.
Keep in mind that submitting an application authorizes us to submit it to lenders within our network on your behalf, which is how we keep things moving quickly.
Why Franchise Owners Choose MissionFund
One application, several product types.
A single new location may call for an SBA loan for the build out plus equipment financing for the kitchen or service line. We coordinate both.
Built for multi unit growth.
When you're adding your second or tenth location, we help you plan financing that doesn't tie up the capital you need for the next opening.
Day one equipment financing.
First time franchisees can finance equipment before the doors open, even without a history of revenue at the new business.
Soft pull, free to apply.
You can see your options without a hard inquiry on your credit.
Welcoming and transparent.
We explain each structure clearly and tell you what lenders will look at, so there are no surprises at closing.
Financing Programs That Fit Franchise Businesses
Program SBA Loans
Government backed loans up to $5MM that suit larger franchise projects, including new builds, acquisitions of existing units, partner buyouts, and refinancing. They can combine real estate, build out, and working capital in one package, depending on the lender.
Program Equipment Finance Agreement (EFA)
You own the equipment from day one and make fixed payments. It's a strong fit for the brand specified equipment package that comes with most openings and remodels.
Program Working Capital
Fast funding for day to day needs such as payroll, inventory, and local marketing. It requires at least 1 year in business.
Program Business Line of Credit
Draw what you need, when you need it. Operators often use a line to smooth seasonal swings or cover royalty and ad fund payments during slower stretches.
Startups and Growing Businesses
If you're a brand new franchisee, equipment financing is available from day one. That lets you put your cash toward the franchise fee, deposits, and the reserves your franchisor requires while the equipment package is paid over time.
For the build out and the broader opening budget, SBA loans are often the main tool for new franchise locations. Lenders look closely at your personal credit, your industry or management experience, your cash injection, and the strength of the brand's track record. Lenders decide eligibility, and we help you present the strongest possible request.
Once you have at least 1 year in business, working capital and a business line of credit become available. Established operators often use them to cover the gap between opening a new unit and reaching steady sales, or to handle an unexpected repair without touching reserves.
What You'll Need to Apply
For requests under $150K, the application alone is often enough for an approval. That covers many equipment packages and smaller remodels.
Larger requests, including most SBA projects, usually call for more. Expect lenders to ask for business and personal financial statements, tax returns, a copy of your franchise agreement or franchise disclosure document, a business plan with projections for new locations, and quotes for construction and equipment. Financial statements can also strengthen a smaller deal or support a higher amount.
When it's time to fund an equipment deal, you'll often need just a driver's license and the equipment invoice.
Frequently Asked Questions
Still have a question?
Talk to a real person. We're happy to walk you through your options.
Can I get financing for my first franchise with no business history?
Yes, first time franchisees can often find financing. Equipment financing is available from day one, and SBA loans are a common route for new franchise locations when the owner brings relevant experience and a cash injection. Lenders decide eligibility based on your credit, experience, and the overall project.
Does the franchise brand affect my financing options?
It can. Lenders often consider how established the brand is, how its units perform, and whether the franchise agreement fits their program requirements. We help you understand how your specific brand may be viewed before you apply.
Can I combine an SBA loan with equipment financing?
Many franchisees do. An SBA loan might cover the build out, franchise fee, and working capital, while a separate equipment finance agreement covers the kitchen, fitness, or service equipment. Splitting the project this way can speed up the equipment side, depending on the lenders involved.
How do multi unit operators finance new locations?
Growing operators often use a mix of SBA loans for new units or acquisitions, equipment financing for each location's package, and a line of credit for opening costs. Lenders look at the performance of your existing units, so strong results at current locations can help support the next one.
Will checking my options hurt my credit?
No. We use a soft credit pull only, so looking at your financing options won't affect your credit score. Individual lenders may review your credit further as part of their own underwriting once you move forward.
Can financing cover a brand mandated remodel?
Yes, remodels are a common franchise financing need. Equipment financing can cover new fixtures, equipment, and technology, and an SBA loan may fit a larger reimage that includes construction work. See our franchise remodel financing page for details.
Get started
See what your business qualifies for.
Applying is free, takes just a few minutes, and uses a soft credit pull only.
Prefer to talk first? Book a call