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Franchise Working Capital

Franchise Working Capital: Fast Funding for Day-to-Day Operations

Payroll gaps, seasonal cash needs, inventory buildup, renovation costs — franchise operators need working capital that moves fast. PeerSense connects you with lenders who fund in 24 hours to 5 days, with programs from $7.5K to $1M+ for established franchise locations.

24–48hrs
Fast Funding
$7.5K–$1M+
Loan Range
680+
FICO Accepted
Minimal
Documentation

Fast Funding Options for Franchise Operators

Different speed and structure options depending on your urgency, credit profile, and funding needs.

24–48 Hour Funding

$7.5K–$1M+680+ FICO
Same-day decisions on some programs
Minimal documentation required
Bank statements and revenue verification
Unsecured options available
Best For
Emergency cash needs, immediate payroll, urgent inventory

1–3 Day Funding

$10K–$1M+680+ FICO
Wider program options
Slightly larger amounts available
Better terms than 24-hour programs
Secured and unsecured options
Best For
Planned expenses, seasonal inventory, equipment repairs

Unsecured Lines of Credit

$250K–$350K700+ FICO
No collateral required
Revolving credit line
Draw as needed, repay, draw again
For established businesses with strong credit
Best For
Ongoing working capital needs, cash flow management

MCA & Revenue-Based

$150K+ refinancingFlexible
Repaid as percentage of daily revenue
No fixed monthly payment
Fast approval and funding
For businesses with consistent revenue
Best For
MCA refinancing, consolidation, revenue-based repayment

When to Use Working Capital vs. SBA

Honest comparison: SBA has better terms, working capital is faster. Match the product to the urgency.

Fast Working Capital

Choose When Speed Matters

When you need capital in days, not months. When the opportunity or problem can't wait for SBA approval.

Speed
24 hours to 5 days
Documentation
Minimal — bank statements, revenue verification
Cost
Higher — factor rates or higher interest
Term
Short — 3–18 months typical
Use Cases:
  • • Emergency payroll coverage
  • • Urgent equipment repair
  • • Seasonal inventory buildup
  • • Time-sensitive opportunity
  • • Bridge to SBA funding

SBA Working Capital

Choose When Terms Matter

When you can wait 45–90 days for approval. When you want the lowest cost of capital and longest repayment term.

Speed
45–90 days
Documentation
Extensive — tax returns, financials, business plan
Cost
Lower — prime + 2.75% typical
Term
Long — up to 10 years
Use Cases:
  • • Planned expansion capital
  • • Equipment purchases
  • • Refinancing existing debt
  • • Long-term working capital
  • • Franchise acquisition

The Right Strategy: Use Both

Smart franchise operators use fast working capital for short-term needs and SBA for long-term capital. Fast capital solves immediate problems. SBA builds long-term financial strength.

Example: Use fast working capital to cover a seasonal cash gap now, then refinance with an SBA working capital loan in 3 months when you have time for the full approval process. Lower your cost of capital while maintaining operational flexibility.

Need Fast Working Capital for Your Franchise?

PeerSense identifies the right capital source from our network of 500+ lenders, private equity firms, and institutional advisors — and makes the introduction. You get a straight assessment of where your deal fits and a direct connection to the source most likely to close it.

We'll connect you with fast-funding sources that understand franchise operations and can deliver capital when you need it.

Schedule a Call