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Franchise Funding & Financing

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IT’S
YOUR
TIME.
OWN A GLOW
SAUNA STUDIO
FRANCHISE.

Ways To Fund Your Franchise

Franchise ownership and management is an exciting new experience for the first-time entrepreneur. Whether you’re looking into franchising to achieve an ideal work-life balance, to nurture a more comfortable “nest egg” or to try out a new career opportunity, proper financing is the key to long-term success and profitability.

Funding your franchise with the most optimal financing opportunity based on your unique goals, financial situation, and background is an important step in the process.

Funding Programs Amount / Timeline Eligibility Benefits
401(k)
BUSINESS
FINANCING

Entrepreneurs can use their 401(k) and IRA funds to buy a franchise without taking a taxable distribution or getting a loan.

$40k+

3 Weeks

  • $40k in eligible, rollable retirement assets [401(k), IRA 403(b), TSP, Keogh, etc]
  • Owner must be a bona fide employee of the business
  • Debt-free way to start a business
  • No collateral needed
  • No tax penalties
SBA LOAN

SBA business loans offer up to $5 million with low-interest rates, flexible repayment terms and no ballooning costs.

$150k – $5 million

2 – 4 Months

  • 680+ credit score
  • 20-30% down payment
  • 20-30% down payment
  • Industry/management experience
  • Secondary source of income (preferred)
  • Secondary source of income (preferred)
  • Access to 3,600+ lenders
  • Money-back guarantee
  • Dedicated loan consultant
  • Single loan application
  • Rapid loan package analysis and approvals
PORTFOLIO LOAN

Entrepreneurs with stocks, bonds or mutual funds can borrow up to 80% against the value of the portfolio without having to sell.

Up to 80% account balance

2 – 3 Weeks

  • No minimum credit score required
  • Minimum of $85k in securities
  • Stock trading at more than $5/share
  • No liquidation of existing securities
  • Low interest rates
  • Deferred payments if opening a new franchise (up to 24 months)
  • Flexibility with revolving line of credit
UNSECURED LOAN

Rather than using personal assets to secure business financing, unsecured loans offer capital based on credit worthiness

$25k – $150k

3 Weeks

  • 690+ credit score
  • Minimal credit inquiries
  • Less than 50% credit utilization
  • Low introductory interest rates
  • No collateral needed
  • Helps build business credit
  • No use of proceeds requirements
SBA $150K LOAN

All the benefits of a traditional SBA loan without the personal collateral requirements! Get quick access to $150,000 or less.

$50k – $150k

30 Days

  • 700+ credit score
  • 10% down payment
  • SBA Registry franchise (if applicable)
  • Executed franchise agreement prior to funding
  • Low down payments
  • No collateral needed
  • Fast funding
EQUIPMENT LEASING

Leasing offers access to equipment at an affordable rate, rather than incurring significant out-of-pocket expenses to buy it.

Minimum $10k

48 hours

  • In business 0-2 years: 700+ credit score, 10% down
  • In business 2+ years: requires a 650+ credit score, 0% down
  • Quick funding
  • Low deposit
  • Up to 60-month term
  • Interest rate 6.99-13.90%

Get pre-qualified and learn more about your franchise financing options. Franchise candidates often delay learning about financing their business. This can make buying a franchise a longer, more difficult process. Thankfully, we have a solution that will allow you to pre-qualify for franchise financing in a few minutes and provide educational content to you as well.

Our Pre-Qualification Tool, powered by Guidant Financial, will allow you to see what types of funding options may be available to you, including 401(k) rollovers, SBA loans, unsecured credit, and more. Simply fill out the form and the results will be displayed. Once your options are displayed, click on the corresponding icons to view detailed videos, brochures, and frequently asked questions. See how fast and easy it is to use. Note: The pre-qualification tool is for informational purposes only, to secure capital; you will need to formally apply for funding.

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