Startup and franchise guide
Startup and franchise financing begins with a complete operating plan
Explore financing for an eligible franchise opening or startup project, including buildout, equipment, fees, and initial working-capital needs.
Lendstra is not a lender. Financing is offered by third-party lenders and is subject to underwriting, approval, and program requirements.
A clearer place to start
A new operation lacks historical business cash flow, so lenders may place additional weight on the owners, industry experience, equity, projections, liquidity, franchise system, and project plan.
- Project costs should be fully documented
- Owner experience and liquidity may receive added attention
- Franchise and independent startup paths can differ
Compare paths
Compare startup and franchise paths
Separate the location, equipment, opening costs, and working-capital plan so the complete request can be evaluated.
SBA 7(a) loans
An eligible startup or franchise project may combine multiple approved uses in one request.
Learn moreEquipment financing
Consider an asset-focused path for eligible machinery, vehicles, technology, or fixtures.
Learn moreWorking capital
Plan for eligible opening inventory, payroll, marketing, and operating needs.
Learn moreCommercial real estate
Review property financing when the project includes an eligible operating location.
Learn moreCommon goals
A complete project budget may include
Every cost should be supported and connected to a realistic opening and operating plan.
No franchise brand, startup, or project is automatically approved. Eligibility and financing depend on the lender, program, owners, franchise documents, project costs, projections, collateral, and other underwriting factors.
- Eligible franchise fees
- Leasehold improvements
- Equipment and fixtures
- Opening inventory
- Initial working capital
- Eligible professional costs
What happens next
One starting point, then the right route
Tell us what you need
Share your financing goal, desired amount, and a few details about the business.
Get routed to the right path
The application flow uses your answers to direct you toward an appropriate next step.
Review available options
If there may be a fit, a financing specialist or lending partner can explain the requirements.
Can a startup qualify for business financing?+
Some lenders and programs consider eligible startups, but options may be more limited. Owners, experience, liquidity, equity, collateral, projections, industry, and the complete plan may receive greater scrutiny.
Does every franchise qualify for SBA financing?+
No. The franchise relationship and documents must meet applicable SBA and lender requirements. The borrower and project must also qualify.
What should a franchise applicant prepare?+
Common items include the franchise disclosure and agreements, project budget, lease or property documents, equipment quotes, projections, owner financial information, resumes, and available liquidity evidence.
Can working capital be included?+
Eligible working capital may be considered in certain structures when supported by a clear opening budget and realistic operating projections.
Not sure which loan fits?
That is what the application path is for. Start with your goal and it will direct you to the most relevant next step.