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How Much Cash Do You Need To Buy A Franchise? 

Use the calculator below to get a rough estimate of potential franchise financing. Then talk with a Franchise Lending Specialist to explore specific options for your situation.

Franchise Loan Calculator

Estimate your monthly payment

Adjust the total project cost, franchise fee, cash down payment, repayment term, and interest rate.

$500,000
$25,000

Counts toward the buyer injection.

$25,000

Can include cash, seller financing (standby), retirement funds (ROBS), and closing costs paid out of pocket.

120
9.25%

A Clear Path from Conversation to Closing

From your first conversation to closing day, we help you move forward with clarity at every step.

Start the Conversation

Tell us about the franchise opportunity you're exploring. We take the time to understand your goals, timeline, and the details of the deal.

Structure the Right Financing

We walk through your options and help you build a financing structure that fits from acquisition to buildout to working capital.

Move Forward with Confidence

We guide you through approval and closing so you can move forward with clarity and focus on ownership.

Why Franchise Buyers Choose First Bank of the Lake

We work with franchise buyers every day. From first-time owners to multi-unit operators. Helping structure financing that fits the opportunity.

You’ll work with a team that understands franchise ownership. Not just loan applications.  

With experience across hundreds of franchise brands and deep SBA expertise, we focus on building deals that support both your purchase and long-term growth.

350+

Franchise Brands Financed

Experience across a wide range of systems. We understand how different franchise models operate.

3rd

 Most Active SBA Franchise Lender^ 

Since 2023, (by lending volume) helping franchise owners open and grow with confidence.

$600 Million+

In Franchise Loans

Helping owners structure financing for real-world franchise deals—from first locations to expansion.

2,000+

SBA Loans Since 2020

Experience navigating real-world deals. From first-time buyers to complex multi-location expansions.

How Financing Can Support Your Franchise Purchase 

 From acquisition to buildout to ongoing operations, we help structure financing around the full scope of your franchise opportunity. 

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Open a New Franchise

Financing can help you move from signed agreement to opening day with the capital needed to build, equip, and launch your location. 

  • Covering franchise fees and startup costs
  • Funding buildout, furniture, fixtures, and equipment
  • Supporting inventory, staffing, and early operating expenses
  • Structuring capital around opening timelines and ramp-up
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Buy an Existing Franchise

Financing can help you acquire an operating franchise, preserve continuity, and invest in the business as you step into ownership. 

  • Acquiring an existing franchise with operating history
  • Financing the purchase price, working capital, and transition costs
  • Supporting continuity for staff, systems, and day-to-day operations
  • Creating room for improvements under new ownership
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Expand to Additional Locations 

When you’re ready to grow beyond a single unit, financing can help you scale with a structure that supports long-term expansion. 

  • Opening additional locations within the same franchise system
  • Structuring financing with growth in mind
  • Funding new buildout, equipment, and startup needs
  • Supporting a more scalable ownership model
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Support Operations with Working Capital  

A strong opening plan includes more than the initial investment. Financing can help support the business as revenue ramps and operations stabilize. 

  • Hiring and training staff
  • Managing inventory and operating expenses
  • Supporting marketing and grand opening activity
  • Creating flexibility during the early growth period
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Upgrade or Remodel Your Location 

Financing can help you invest in improvements that keep your franchise competitive, compliant, and aligned with brand standards.

  • Renovations and leasehold improvements
  • Equipment replacements and upgrades
  • Brand-required remodels or refreshes
  • Improvements that support customer experience and efficiency

Not sure if your project qualifies? Let’s talk it through.

We’ll review your opportunity, answer your questions, and help you understand your options. 

See How Other Franchise Buyers Are Turning Opportunity into Ownership 

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Woof Gang Bakery

After transitioning from a career in HR, Kasia secured a $345K SBA loan to open her first franchise location launching successfully and nearing breakeven within just a few months.

Read More
TintWorld_Sq

Tint World

After rebuilding his life following personal loss, Dan secured a $585K SBA loan to open a Tint World franchise quickly gaining traction and preparing for a second location.

Read More
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Lifetime Green Coatings

A father-son team secured a $400K SBA loan to launch six franchise territories—quickly setting up operations and nearing breakeven within three months.

Read More
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Let’s Talk Through Your Franchise Plan 

Not sure where to start or if your deal qualifies?
We’ll walk through your franchise opportunity with you, answer your questions, and help you understand your options.

What to Expect:

  1. A quick 30 minute call
  2. Clear guidance on your options
  3. No pressure to move forward

Common Questions About Franchise Financing

Still have questions about franchise financing? 

All loans are subject to credit approval. Restrictions and limitations may apply. First Bank of the Lake does not provide tax, legal or investment advice. All decisions concerning these matters should be made in conjunction with your professional advisors. 

 ^Ranked in top 1% as 15th largest SBA 7(a) lender by approval amount since 2023. Ranked 3rd most active SBA Franchise lender since 2023, (by lending volume) by the U.S. Small Business Administration.  

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© 2026 First Bank of the Lake

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 First Bank of the Lake (“Bank”) does not provide financial, investment, tax, legal, or accounting advice.  The content provided is for informational purposes only and should not be relied upon or considered as an express or implied recommendation, warranty, guarantee, offer, or promise. You should consult your own financial, investment, tax, legal, and accounting advisors before engaging in any transaction.  Information provided is not exhaustive and is subject to change without notice.  Accuracy is not guaranteed. Outlooks and past performance are not guarantees of future results.  Articles may contain information from third-parties, and the inclusion of such information does not imply an affiliation with the Bank or Bank sponsorship, endorsement, or verification regarding the third-party or its information. Any external websites linked to this information are not managed by Bank. All third-party trademarks, service marks, trade names, and logos referenced in this material are the property of their respective owners. All loans are subject to credit approval.  Qualifications, terms, and conditions apply to all Bank products and services.