Capital for your franchise growth — Franchise Restaurant Capital
Get access to tailored financing for new restaurant acquisitions, commercial kitchen upgrades, or necessary renovations for your franchise location.
Soft inquiry. No impact on your business or personal credit score.
- Franchise disclosure
- Royalty fees
- EBITDA
- Equipment lease
- SBA guarantee
- Working capital
- Debt service coverage
- Unit liquidity
Franchise restaurant business loans and capital equipment financing
Financing options matched to your situation, in one place.
- ACQUISITION Franchise acquisition Capital to buy new or existing restaurant locations.
- EQUIPMENT Kitchen equipment Financing for commercial grade cooking and refrigeration units.
- REMODEL Renovation projects Funds to update outdated decor and store fixtures.
- CAPITAL Working capital Cash reserves for daily operations and seasonal cash flow.
- $50K–$5M Funding range
- 24–48 hours Decision time
- 0 credit impact Soft inquiry only
How the money moves.
One soft check to match. One hard pull, and only from the lender you choose. That mechanism is why this is not a broker.
Industry expertise
- We work exclusively with restaurant franchise lenders.
- We understand brand-specific compliance and royalty structures.
Transparent terms
- Detailed breakdown of all loan fees and interest costs.
- No hidden application costs or surprise closing fees.
Flexible options
- Terms matched to your individual unit cash flow.
- Options for both prime and non-prime credit profiles.
Why the usual lenders say no.
Your revenue is real. The problem is the form. Here is why traditional underwriting turns away healthy operators in this space, and what we do differently.
Low liquidity
Banks often decline applications when personal liquidity is under 10 percent of the total loan amount.
Short operating history
Traditional banks often require three years of operating data for every individual franchise location.
Asset valuation gaps
Banks frequently undervalue used commercial kitchen equipment during the loan appraisal process.
What a funded request actually looks like.
Composite illustrative scenarios, not specific borrowers. Each is built from the kinds of requests this niche routinely sees.
Multi-unit operator
Renovating four quick service locations to meet new brand updates
New franchisee
Purchasing commercial kitchen equipment for a new coffee franchise store
Established owner
Buying an existing territory from a retiring partner
Franchise operator
Covering payroll and inventory during the slow season
The 2026 restaurant financing guide
Read our comprehensive guide on navigating franchise loan requirements, understanding equipment leasing, and preparing your financials for a smoother underwriting process.