It’s tougher, but not impossible. Traditional working capital lenders usually want some operating history (at least a few months of revenue). If you’re a brand new franchise and need working capital, you might lean towards an SBA loan or personal financing (like a personal loan or borrowing against home equity) to cover initial working capital. Some franchisors also offer financing help or deferred payment on certain fees to ease the burden. Once you have, say, 6 months of sales under your belt, you’ll find more lenders willing to offer working capital loans. Also, if you have strong personal credit, you could get a business credit card or a personal loan to inject working capital in the very early stages, then possibly refinance that later with a business loan once the franchise is up and running.