Franchise Acquisition Advisory
Get Your Franchise Purchase Funded — Properly
Franchise finance is more complex than standard business lending. We build your complete acquisition application — credit paper, cash flow models, and risk documentation — and coordinate with your accountant, solicitor, and franchisor to get the deal across the line.
Australian Franchise Alliance Partner
ausfranchisee.com.auAndorra Private is a partner of the Australian Franchise Alliance — the peak body supporting franchise buyers and operators across Australia. This gives us direct access to the franchise finance ecosystem, including franchisor relationships, lender panels, and industry intelligence that informs every application we prepare.
Why Franchise Finance Is Different
Franchise acquisitions have layers of complexity that standard business loan applications don't account for. Most direct applications miss all of them.
Franchisor Approval Required
Most franchisors must approve you as a buyer before a sale can complete. This adds a layer of complexity that lenders need to understand — and that most direct applications fail to document properly.
Goodwill vs Asset Split
Franchise purchases include goodwill, fit-out, equipment, stock, and franchise fees — each funded differently. Structuring this correctly requires lenders who understand the franchise model, not just standard business lending.
Fit-Out & Specification Costs
Many franchise agreements require fit-outs to exact franchisor specifications. These costs must be fully scoped and funded upfront — lenders need a clear picture of total outlay before approval.
Projections Without Trading History
New franchise grants have no trading history. Lenders rely on network performance data and location analysis. Without the right modelling, applications for new grants are routinely knocked back.
What We Do
We package your franchise acquisition the way lenders need to see it — covering every angle specific to franchise deals.
Credit Paper Preparation
We write the full credit memorandum tailored for franchise deals — including brand analysis, network performance benchmarks, location assessment, and franchisor relationship context.
Cash Flow Modelling
We build forward projections using franchisor-supplied ramp-up data and comparable site performance. For established locations, we reconcile actual trading to the forward model.
Risk & Mitigants Documentation
We document responses to every risk a lender will raise — franchisor dependency, lease terms, competitor proximity, management experience — with credible, evidence-backed mitigants.
Deal Structuring
We structure the funding across franchise fee, fit-out, equipment, stock, and working capital — choosing the right loan types and security package for each component.
Professional Coordination
We work alongside your accountant and solicitor, and liaise with the franchisor where needed, to ensure the application package is complete, consistent, and submission-ready.
Lender Selection & Submission
We match your deal to lenders with active franchise finance appetite, manage the submission, respond to queries, and negotiate through to formal approval.
New Grant or Existing Location?
We structure finance for both. The approach differs — and we know which lenders suit each.
Buying an Existing Location
Purchasing an established franchise from the current franchisee. Trading history is available, which makes finance more straightforward — but the price reflects goodwill built by the seller.
- Existing trading financials to support the application
- Transfer of franchise agreement subject to franchisor approval
- Vendor finance from the seller can reduce deposit required
- Lease assignment or new lease negotiation may be required
New Franchise Grant
Taking on a new territory directly from the franchisor. No trading history, so the application relies on brand data, location analysis, and your experience profile.
- Franchisor ramp-up data and comparable site performance used for projections
- Stronger emphasis on your industry experience and management capability
- Full fit-out scope required before finance can be assessed
- Some franchisors have preferred lenders — we work with these and the broader market to find the right fit
Our Fee Structure
Upfront Engagement Fee
A small fee to commence work — covering deal assessment, franchise disclosure review, and the beginning of credit paper preparation. Agreed before any work begins.
Success Fee on Settlement
The majority of our fee is paid only when your acquisition settles. We win when you win — our interests are fully aligned with getting your deal done.
All fees are discussed transparently at the initial consultation before any engagement is confirmed. No surprises.
Who This Is For
We work with franchise buyers across Australia, including:
Franchise Systems We Finance
We have experience arranging finance across a wide range of Australian franchise systems. If your brand is not listed, get in touch — we work across most established networks.
Food & Beverage
Fitness & Health
Retail & Automotive
Services & Trades
Childcare & Education
Already Have a Franchise in Mind?
Tell us about the franchise system and the specific opportunity. We will assess the deal and give you an honest view on finance feasibility.
How We Work With You
A structured process from first conversation to settlement.
Free Consultation
We discuss the franchise system, the specific opportunity, your financial position, and whether franchisor approval is underway. We give you an honest assessment of finance feasibility upfront.
Deal Assessment
We review the franchise disclosure document, financial statements or projections, fit-out scope, and total acquisition cost to determine the right structure.
Credit Paper Preparation
We write the full credit memorandum — franchise system overview, brand performance benchmarks, location analysis, management profile, and deal rationale.
Cash Flow Modelling
We build the forward trading model using appropriate ramp-up assumptions, franchisor royalty and marketing levy obligations, and debt serviceability calculations.
Deal Structuring
We finalise the funding split across franchise fee, fit-out, equipment, stock, and working capital. We also incorporate any vendor finance offered by the selling franchisee.
Lender Selection & Submission
We select the right lender — one with active franchise lending appetite for your brand and deal size — and manage the submission through to formal approval.
Approval & Settlement
We coordinate with your solicitor, accountant, and the franchisor to satisfy all conditions and settle on time.
Frequently Asked Questions
Related Services
Business Acquisition Advisory
Buying a non-franchise business? Our end-to-end acquisition advisory covers all SME deal types.
Franchise Finance
Detailed information on franchise loan products — fees, fit-out, equipment, and working capital.
Finance Advisory
Ongoing finance partnership — facility reviews, refinancing, and growth finance after your acquisition settles.
Ready to Buy Your Franchise?
Book a no-obligation consultation. We will assess the deal and tell you exactly how we can get it funded.