Franchise Financing
Capital to open, acquire, or expand a franchise location.
Franchise financing funds the costs of opening, acquiring, or expanding a franchise — franchise fees, build-out, equipment, and opening working capital. Because a franchise comes with an established brand and system, some partners treat it more favorably than an independent startup. Qualification still depends on the franchise, your experience, and your financial profile.
Minimum Requirements & Program Details
These are starting requirements for selected programs. Availability and final terms depend on the funding partner and underwriting. Other options may be available. Meeting a minimum does not guarantee approval.
ROK Franchise Financing
ROK partner channel
- Minimum credit
- No stated minimum FICO on this channel
- Time in business
- 6+ months
- Monthly gross sales
- $10,000+
- Financing amount
- Program-specific—request a funding review
- Term / structure
- Franchise fee, build-out, equipment, and opening capital
Availability and final terms depend on the funding partner and underwriting. If a requirement is unresolved for your situation, we'll note it as program-specific and confirm it during your review. Other options may be available.
Common uses
- Paying the initial franchise fee
- Build-out and equipment for a new location
- Acquiring an existing franchise location
- Opening working capital
When it fits
- You're working with an established franchise brand
- You have relevant operating experience
- Your financial profile supports the opening costs
How it generally works
- 1You share the franchise agreement and opening cost breakdown.
- 2A partner structures financing around the franchise and your profile.
- 3Funds cover franchise fees, build-out, equipment, and opening capital.
- 4You repay from the location's operations.
Factors funding partners may consider
- Franchise brand and system
- Your operating experience
- Opening cost and your equity contribution
- Credit profile and time in business
Documents to prepare
We provide the exact checklist for your program after reviewing your request — you don't need to order an appraisal or gather everything before reaching out. Initial review items help us assess fit; additional underwriting & closing items are requested only once a partner program is confirmed. Sensitive documents are handled through our invitation-only secure process — never on the public intake.
Initial Review
- Signed application
- Franchise agreement / FDD details
- Three months of business bank statements (four for California)
Additional Underwriting & Closing
- Opening cost breakdown
- Personal identification and voided business check
- Personal financial statement
Curious whether this fits your situation?
Request a review — we'll confirm fit and suggest alternatives if another product suits you better.
Illustrative scenario
An operator finances the franchise fee and build-out for a new location of an established brand, repaying from the location's operations. Actual terms depend on the partner, franchise, and underwriting.
How it compares to related products
vs. Business Acquisition Financing
Franchise financing is for opening or expanding a franchise; acquisition financing is for buying an independent existing business.
Learn morevs. SBA Financing
Some SBA programs serve franchises; franchise-specific channels can be faster. We'll compare what's available.
Learn moreFrequently asked questions
Ready to explore franchise financing?
Request a funding review and we'll help confirm fit and identify alternatives. Any match is preliminary until reviewed.