Accredited Lenders
Access to lenders with pre-approved franchise lists offering better rates and higher LVRs.
Franchise Finance Specialists
Finance for Franchisees
Specialist lending solutions for new franchisees, multi-site operators, and franchise resales across all industries.
70%
LVR for Accredited
60+
Lender Panel
5-7yr
Typical Terms
Franchise Types We Finance
Food & Beverage
Retail
Health & Fitness
Home Services
Why Choose Us
Franchise Finance Benefits
Specialist lending advantages that mainstream banks can't offer
Network Data
We understand how lenders assess franchise performance using network-wide benchmarks.
Full Package
Complete funding including franchise fee, fit-out, equipment, stock, and working capital.
Multi-Site Expansion
Leverage existing site performance to secure better terms for additional territories.
Our Solutions
Franchise Finance Options
Tailored funding structures for every franchise scenario
New Franchise Purchase
Complete funding for greenfield franchises from franchise fee to opening day.
- Franchise fee financing
- Fit-out & equipment
- Working capital included
Franchise Resale
Acquisition finance for established franchises with proven trading history.
- Goodwill financing
- Equipment at valuation
- Stock takeover
Multi-Site Expansion
Growth funding for franchisees adding additional territories to their portfolio.
- Leverage existing sites
- Portfolio lending
- Better terms available
Equipment Finance
Chattel mortgage, hire purchase, or lease for franchise-specific equipment.
- Tax-effective structures
- Preserve working capital
- Matched to asset life
Fit-Out Finance
Funding for shop fit-outs, signage, fixtures, and leasehold improvements.
- Fixed or removable assets
- Matched to lease term
- Progress payments
Working Capital
Overdraft facilities and working capital loans for cashflow management.
- Seasonal fluctuations
- Establishment phase
- Growth funding
Industries We Serve
Franchise Categories We Finance
From QSR to home services — we understand your industry
Quick Service Restaurants
Cafés & Coffee
Retail & Convenience
Gyms & Fitness
Cleaning Services
Education & Tutoring
Automotive Services
Home Services
Accredited vs Non-Accredited Franchises
Lenders maintain "accredited franchise" lists where they've pre-approved certain systems. This significantly impacts your finance options.
- Higher LVRs — Up to 70% for accredited vs 50% for non-accredited
- Better rates — Reduced risk means lower interest rates
- Faster approval — Streamlined assessment process
- Non-accredited options — We can still help with the right approach
| Feature | Accredited | Non-Accredited |
|---|---|---|
| Maximum LVR | Up to 70% | 30-50% |
| Goodwill Finance | Yes | Limited |
| Network Data Used | Yes | No |
| Security Required | Business only | Property often |
| Approval Speed | Fast-track | Standard |
| Interest Rates | Competitive | Higher |
Accredited Franchises
Maximum LVR Up to 70%
Goodwill Finance Yes
Network Data Used Yes
Security Required Business only
Approval Speed Fast-track
Interest Rates Competitive
Non-Accredited Franchises
Maximum LVR 30-50%
Goodwill Finance Limited
Network Data Used No
Security Required Property often
Approval Speed Standard
Interest Rates Higher
How It Works
Your Franchise Finance Journey
From initial enquiry to opening day
1
Free Consultation
Discuss your franchise opportunity and finance requirements with our specialist team.
2
Lender Matching
We identify lenders with franchise accreditation and the best terms for your situation.
3
Application
We prepare and submit your application with all supporting documentation.
4
Settlement
Funds released to complete your franchise purchase and begin trading.
Common Questions
Franchise Finance FAQs
What deposit do I need for a franchise?
Typically 30-50% for accredited franchises, higher for non-accredited. This covers the gap between finance available and total investment including franchise fee, fit-out, equipment, stock, and working capital.
Can I get finance without industry experience?
Yes, especially for accredited franchises. Lenders recognise that franchisors provide comprehensive training and ongoing support. Your management experience and financial position matter more than specific industry background.
How is franchise goodwill valued?
Typically as a multiple of weekly sales or percentage of annual revenue. For resales, lenders look at actual trading history. For new sites, they use network averages for comparable locations.
What if my franchise isn't accredited?
We can still help. Non-accredited franchises require a different approach — often involving property security, higher deposits, or specialist lenders who assess each franchise individually.
Can I finance multiple sites at once?
Yes, multi-site operators often get better terms by leveraging existing site performance. We structure portfolio financing that makes expansion more accessible.
How long does franchise finance take?
Typically 2-4 weeks for accredited franchises with straightforward applications. Complex deals or non-accredited franchises may take longer. We recommend starting the finance process early in your due diligence.
Ready to Finance Your Franchise?
Get expert guidance from specialists who understand franchise lending inside and out.
Or call 03 9020 2699 to speak with us directly