SBA lenders who know the brand lend it. They look at your cash injection, experience and the brand's record. 17 lenders offer franchise financing across the US and Canada, usually from $50k to $5M. Last checked Nov 1, 2026.
Most franchise purchases close on an SBA 7(a) loan in the US or a Canada Small Business Financing Program loan plus a bank term loan in Canada, made by a lender that already knows the brand. The lender underwrites three things at once: you, the brand and the location. Expect it to ask for your cash injection, usually at least 10 percent of the project, your management experience, personal credit and the franchise disclosure document with the brand's unit and closure record.
Read the guide: Buying a franchise: how franchise financing works and who lends it4 min
SBA lenders and banks with franchise desks in the US, chartered banks and credit unions under the federal program in Canada.
Your cash injection, relevant management experience, personal credit, the brand's disclosure document and closure record, and a location that pencils.
Entries start from public records. Standing rises as the lender claims its entry, adds its loan officers and verifies its details.
17 today, with 1 loan officers who work at them, across the US and Canada. Any lender can claim its entry and correct its details.
