Fast, Flexible Franchise Loans Nationwide

We offer all major franchise financing options, including SBA 7(a) loans, SBA 504 loans, conventional term loans, equipment financing, working capital loans, expansion loans, and refinancing. Essentially, if it’s a loan a franchisee might need, we can likely provide it. Visit our Loan Programs page for details on each option.

Absolutely. We work with many first-time franchise owners. Lenders will typically look at your financial background (credit score, net worth, etc.) and the strength of your franchise brand and business plan. Thanks to our experience, we help newcomers prepare strong loan applications. Programs like SBA loans are designed to help new entrepreneurs launch businesses, and we’ll guide you in meeting the requirements. You do not need prior business ownership experience – franchising often provides training and a proven model, which lenders recognize. If you’re excited about a franchise opportunity, we’re here to help you secure the funding to get it off the ground.

Yes, that’s one of our specialties. Whether you want to open a second (or tenth) location, purchase an existing franchise unit, or remodel your current store, we have loan programs for you. Expansion loans or acquisition loans can be structured based on the profitability of your current operations and the projected returns of the new unit. We understand the multi-unit growth strategy and can often arrange financing that leverages the success of your existing franchises. Many of our repeat clients are growing franchisees who come back to us as they expand their portfolio.

We are a franchise financing specialist that operates as a lender and strategic broker. What that means is: in some cases we may fund loans directly, and in other cases we connect you with one of our trusted lending partners or programs best suited to your needs. Either way, you’ll work closely with us from start to finish. We handle the coordination with the actual funding source behind the scenes. This hybrid approach allows us to offer you more options and always get you the most competitive terms available. There’s no extra cost to you for this service – we’re compensated by the lenders, or through standard loan fees, not by charging our clients expensive consulting fees.

Franchise loan proceeds can typically be used for all the major expenses involved in starting or running your franchise. This includes: franchise license fees, location costs (like leasing a storefront or building and doing construction build-out), equipment and machinery, inventory stock, working capital to cover payroll/operational expenses until the business breaks even, marketing and grand opening expenses, and even refinancing existing business debt. Different loan types have different rules (for example, SBA 7(a) loans are very flexible on use of funds, whereas an equipment loan must be used to buy equipment). We’ll ensure your loan covers everything you need and complies with the lender’s guidelines.

Yes! We serve clients in all 50 states. Liberty Franchise Lending is licensed and equipped to provide franchise financing nationwide across the United States. So whether your franchise is in Texas, California, New York, Florida – you name it – we can help. We understand local market nuances but provide the same high-quality service no matter where you are. Our process is largely remote, via phone and online, which makes it convenient for you.