Why Franchise Financial?
SBA Lending for the Franchise Professional We bridge the gap between your growth ambitions and the bank’s requirements by looking at your deal through the lens of a credit officer. By de-risking your application and aligning your project with specific underwriting standards, we ensure your funding is as efficient as it is cost-effective.
The Zero-Fee Advantage
We operate as your dedicated Business Development partner, committed to streamlining your path to capital without increasing your project’s cost. Unlike traditional loan brokers, we do not collect a fee or charge any expenses to our clients. Our compensation is managed entirely by our lending partners, who value the comprehensive front-end education, relationship and project management we provide to keep your transaction on track.
How We Accelerate Your Funding
We de-risk your application by aligning your project with the specific underwriting standards lenders and franchisors demand:
Capital Allocation & Readiness: We verify your liquidity against the Initial Investment requirements and Initial Franchise Fee structures detailed in the FDD to ensure a strong equity position.
Operational Performance Analysis: We stress-test Average Unit Volume (AUV) and EBITDA figures to ensure your pro-forma is grounded in proven, realistic performance data that supports debt service.
Underwriting Transparency: We scrutinize Item 7 (estimated investment) and Item 19 (performance representations) disclosures to identify potential financial hurdles before they reach the credit committee.
Alignment of Interests
Our priority is your successful closing. Because we are only compensated by the lender upon the funding of your loan, our interests are perfectly aligned with yours. Furthermore, our institutional relationships often allow us to secure rates and terms that are equal to or more favorable than those available through direct bank applications—ensuring your capital is as cost-effective as it is accessible.
