Franchise Lending

FNB Small Business Finance can help franchisees acquire the funding and working capital they need to be successful. Whether you are opening a new franchise location or adding additional locations, we can develop an SBA financing program based on your specific needs and budget to get you started.


Established Franchise Concepts & Startups:
5+ years of franchising & 20+ locations open | 1st location for franchisee

  • 85% financing of startup costs including franchise fee, leasehold improvements, furniture, fixtures, equipment, working capital, closing costs and SBA fee.
  • 90% financing for real estate if included in the project.
  • Loan term 10-25 years fully amortizing.

Expansion:
2nd or more location for existing franchise

  • 90% financing of startup costs including franchise fee, leasehold improvements, furniture, fixtures, equipment, working capital, closing costs and SBA fee.
  • 90% financing for real estate if included in the project.
  • Loan term 10-25 years fully amortizing.

Acquisition:
Acquiring an existing franchise location

  • 90% financing of acquisition costs including business acquisition, franchise transfer fee, working capital, closing costs and SBA fee.
  • 90% financing of real estate if included in the project.
  • Loan term 10-25 years fully amortizing.

To be eligible for SBA franchise financing, the franchise concept must be approved by SBA and listed on the SBA Franchise Directory.

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  • The Barker Lounge

    See How We’ve Helped Other Businesses
    Clean Eatz - Georgia

    “Clean Eatz is a healthy café franchise located in Augusta, Georgia with a mission to change lives one meal at a time. The café sets itself apart by offering meal prep options, grab-and-go freezer meals in addition to a full in-house dining menu that includes wraps, burgers, salads, sandwiches, and smoothies. Our experienced team was able to structure a deal to help this business owner achieve her dreams of owning a franchise business."

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