
Financing a Franchise: The Complete Guide to SBA and Conventional Options
SBA loans are the go-to for first-time franchisees: smaller down payments (often 10–20%), longer terms (up to 25 years for real estate), and more flexible credit—so long as the brand appears on the SBA Franchise Directory. Conventional bank loans can move faster and sometimes price sharper, but they demand stronger credit, bigger equity, and proven profitability (best for resales or multi-unit operators). Pick based on your liquidity, timeline, and whether your franchise is SBA-eligible.





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