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Franchise Funding That Actually Closes

Buying a franchise requires the right capital structure — SBA loans for startups, conventional financing for resales, working capital for operations, and institutional credit for multi-unit operators. PeerSense connects franchise buyers with the sources that fund deals like yours.

Discuss Your FranchiseCall (317) 452-6990

PeerSense has a background in franchising — we've worked with franchise buyers, multi-unit operators, and franchise systems. Capital is the single biggest obstacle in franchise growth. We solve it.

Opening Your First Franchise

Standard SBA 7(a) franchise loans go up to $5 million. For U.S. manufacturers and select qualifying businesses, the MARC program allows SBA financing up to $10 million. Franchise loans follow standard SBA down payment requirements — typically 10% minimum equity injection at closing. Your brand must be listed in the SBA Franchise Directory (most major brands are). Timeline: 45–90 days from application to close.

Buying an Existing Franchise Location

Treated as a business acquisition under SBA guidelines. Valuation, goodwill treatment, and seller note structuring are all critical. We work with SBA lenders who specialize in franchise resales and understand how to value a transferring franchise.

Expanding to Multiple Units

SBA becomes complicated at scale. For multi-territory or multi-unit expansion, private credit options exist: credit facilities, revolving acquisition lines, and institutional capital for larger rollups. PeerSense can structure both the SBA side and the private credit side depending on deal size and operator profile.

Franchise Working Capital

Fast-funding options for payroll gaps, seasonal inventory, and renovation costs. 24-hour to 5-day funding available. Unsecured lines for strong operators.

What to Expect at Closing

Down payment requirements for franchise financing vary based on whether you are buying an existing location or opening a new one:

Existing franchise location: Typically 10% down, sometimes structured with seller financing to reduce the buyer's out-of-pocket cash to as little as 5% (subject to current SBA seller note rules and lender approval).
New franchise: Typically 10% to 20% or more at closing, depending on the franchise brand's SBA approval status, the strength of the business plan, and lender appetite. Newer brands or less-proven models may require more equity.
Multi-unit or larger acquisitions: Down payment percentage may increase with deal size and complexity. Some deals require 20% to 30% depending on how the capital stack is structured.

The seller, franchisor, or third-party equity can sometimes contribute to the required injection — but structure matters. PeerSense helps you understand what your specific deal requires before you go to a lender.

All financing subject to lender approval and current SBA guidelines.

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We'll tell you the fastest path to funding

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Frequently Asked Questions

Ready to Finance Your Franchise?

If you have found a franchise to buy and the deal makes sense, there is likely a financing structure that works. The question is which one — and that depends on your specific situation. PeerSense connects franchise buyers with the right lender for their deal. One conversation. Direct introduction. No runaround.

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Or call (317) 452-6990 to discuss your franchise directly.

This is not a franchise offering. See our Terms & Conditions for full disclosure.