Franchise Finance
Funding to purchase a franchise. We help franchisees access finance for franchise fees, fit-out costs, equipment, and working capital.
Key Features
Franchise Fees
Finance covering upfront franchise and territory fees
Fit-Out Costs
Funding for premises fit-out to franchisor specifications
Equipment Finance
Finance for required equipment and point of sale systems
Working Capital
Funds for initial stock and operating costs
Franchise Finance Examples
See what's possible with the right finance solution
*These are illustrative examples based on realistic Australian scenarios, not specific client cases.
Health Food Business Acquires Premises
The Scenario
Self-employed business owners operating a health food manufacturing company for 20+ years wanted to purchase their leased premises from the landlord.
The Challenge
Most lenders would only offer 70% LVR on commercial property, requiring a substantial deposit the owners did not have readily available.
The Solution
A specialist lender was identified willing to extend to 80% LVR based on the strong trading history and long-term lease arrangement, with a 15-year term and 5-year interest-only period.
The Outcome
The owners now pay approximately $2,000 less per month in loan repayments compared to their previous rent, freeing up cash flow for business growth.
$1M
Loan Amount
80%
LVR Achieved
$2,000
Monthly Savings
SMSF Industrial Property Purchase
The Scenario
A husband and wife with approximately $400,000 in their self-managed super fund wanted to diversify into commercial property.
The Challenge
Finding a lender that accepts commercial property security within an SMSF structure while meeting the strict 25% contribution requirements.
The Solution
A specialist SMSF lender comfortable with industrial property was sourced, with the loan structured to maximise the fund's purchasing power.
The Outcome
The couple successfully purchased an industrial property with loan repayments coming in lower than the rental income, boosting their super returns.
$400K
SMSF Balance
Industrial
Property Type
Positive
Cash Flow
Working Capital for Established Business
The Scenario
A NSW-based packaging company with nearly 50 years of trading history required working capital to fund a major contract.
The Challenge
The business needed quick access to funds without disrupting existing banking relationships or providing personal property as security.
The Solution
A short-term commercial facility was arranged, secured against business assets with a 3-month term at 65% LVR.
The Outcome
The business secured the working capital within 2 weeks, fulfilled the contract, and repaid the facility on time.
$910K
Facility Size
3 months
Term
65%
LVR
Client Testimonials
Hear from our satisfied clients
“Nick is always available to take your calls and provides knowledgeable guidance throughout the entire process.”
Terry M.
Refinancing
“The experience was straightforward - nothing was too difficult and any request was handled promptly by Nick.”
Gabi Y.
Home Loan
“Nick was very thorough from start to end while maintaining quick responsiveness. Highly recommend.”
Nayer G.
Investment Property
Ready to discuss your options? Get a response within 24 hours.
Start ApplicationFinance for Franchise Purchases
Franchising offers a proven business model with brand recognition and franchisor support. However, franchise purchases require significant upfront investment including franchise fees, fit-out, equipment, and working capital.
We work with lenders who have experience funding franchise businesses and understand the franchise model. This means faster approvals and more appropriate finance structures.
What Costs Can Be Financed
Franchise finance can cover franchise fees, territory rights, premises fit-out to franchisor specifications, equipment and fixtures, initial stock, and working capital for the establishment phase.
Some franchisors have relationships with lenders who offer pre-approved finance for their network. We can also arrange independent finance if this provides better terms.
Established vs New Franchises
Finance is available for both new franchise grants and purchases of existing franchise locations. Established franchises with trading history are often easier to finance as lenders can assess actual performance.
New franchise grants rely more heavily on the franchisor brand strength, your experience, and location viability. We can help structure finance for both scenarios.
Discuss Your Franchise Finance Needs
Our team specializes in finding the right lending solution for your unique situation. Get expert advice today.
Frequently Asked Questions
Ready to Get Started?
Start your application today and get a response within 24 hours from our finance specialists.