Real success stories from franchise owners who secured funding and achieved their business goals. Learn from their experiences and discover proven strategies for franchise financing success.
Limited business experience and 20% down payment requirement from conventional lenders
SBA 7(a) loan with 10% down payment and franchisor support
Opened successfully, 15% above projected sales in first year
"The SBA loan made my franchise dream possible. I couldn't have afforded the 25% down payment conventional lenders wanted."
- Maria Rodriguez
Needed new fitness equipment but didn't want to tie up working capital
Equipment financing with the gym equipment as collateral
30% increase in membership, equipment paid for itself in 18 months
"Equipment financing let us upgrade without touching our cash reserves. The new equipment drove immediate membership growth."
- David Chen
Wanted to open 3 locations simultaneously but banks saw it as too risky
Franchise-focused lender with multi-unit development expertise
All 3 locations profitable within 8 months, planning 2 more
"Finding a lender who understood franchise expansion was game-changing. They structured the loan to match our cash flow timeline."
- Jennifer & Mike Thompson
Hurricane season creates unpredictable revenue spikes and equipment needs
Flexible credit line that adjusts with seasonal business patterns
Able to respond to emergency calls without cash flow constraints
"The credit line gave us flexibility to take on large emergency jobs without worrying about cash flow timing."
- Robert Johnson
Multiple high-interest debts from startup phase limiting growth capital
Equity loan using business value to consolidate debt at lower rate
Reduced monthly payments by $1,200, reinvested savings in marketing
"Consolidating our debt freed up cash flow we immediately reinvested in growth. Our revenue jumped 25% the next year."
- Sarah Kim
Converting independent pizza shop to franchise required extensive renovations and equipment
Combined SBA loan for renovations with equipment financing for kitchen upgrades
Sales increased 60% within 6 months of conversion
"Converting to Domino's was the best decision we made. The financing package made it seamless, and our sales exploded."
- Carlos Martinez
Detailed financial projections and market analysis
Active involvement and endorsement from franchise brand
Clean credit report with score above 650
Relevant business or management experience
Prime location with favorable lease terms
Sufficient liquid capital for down payment and working capital
| Loan Type | Success Rate | Avg Timeline | Avg Amount |
|---|---|---|---|
| SBA 7(a) Loans | 73% | 67 days | $385K |
| Equipment Financing | 84% | 5 days | $125K |
| Working Capital | 91% | 2 days | $45K |
| Expansion Loans | 68% | 35 days | $650K |
| Franchise Equity | 76% | 25 days | $225K |