Franchise finance is lending to purchase a new or existing franchise. For accredited brands, lenders run dedicated programs funding typically 60–70% of the purchase price without property security — because the franchisor's track record does part of the convincing.
Lending structured around how franchise systems are actually assessed — brand accreditation, system performance and cash flow, not just your personal balance sheet.
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Established franchise systems sit on lender accreditation lists — unlocking higher funding, lower deposits and faster approvals.
Where the lender program allows, purchase price, fit-out, initial franchise fee and working capital are structured into a single loan.
Lending against the franchise system's track record — your home can stay off the table for many accredited-brand purchases.
Loan terms structured against the length of your franchise agreement, so the debt is designed around the life of the business.
Fixed certainty or variable flexibility — choose the structure that fits your cash flow plan and risk appetite.
Adding a second or third territory? Funding assessed against the performance of your existing site, not just projections.
Buying into an accredited brand — lenders accept the franchise system in place of your industry track record.
Adding a second or third site — funded against the performance of your current one.
Non-accredited or very new franchise systems are assessed as independent SMEs — larger deposits, more scrutiny. We'll tell you which you're in before you commit.
We confirm whether your franchise is on lender accreditation lists — it changes everything about the deal.
Deposit, fit-out and working capital in one facility where possible. One application, best-fit lender.
Typically 4–6 weeks from application to settlement for accredited brands.
| Scenario | Typical deposit | Funded |
|---|---|---|
| Accredited brand, new site | 30–40% | 60–70% |
| Accredited brand, existing site | 25–35% | 65–75% |
| Non-accredited system | 40–50% | 50–60% |
| With property security | up to 100% of purchase | |
When the bank said “no” because the borrower lacked industry experience, we structured the deal against the franchise system's track record instead.
Client results are individual and not a guarantee of outcomes. Details have been anonymised. Rates are indicative only and subject to lender assessment and change — speak to a broker for current pricing.
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Franchise deals live or die on accreditation status and structure. We check both before you commit — and tell you the honest answer either way.
We confirm your brand's status on current lender lists before anything else — it determines your deposit, security and timeline.
Major banks, non-banks and specialist franchise programs — matched to your brand and scenario, not a one-size template.
Pooja spent years inside NAB and ANZ — your application is built the way credit teams actually assess it.
From brand check to settlement and opening day — one point of contact managing the whole process.
Major lenders keep their own accreditation lists covering established Australian franchise systems across food, retail and services. The lists change and differ between lenders, so the first thing we do is check your specific brand against current lists — it determines your deposit, security requirements and approval pathway.
Often, yes — for accredited brands. Lenders lean on the franchisor's track record, training program and system performance in place of your own industry history. You'll still need to demonstrate serviceability, a reasonable deposit and relevant transferable experience such as management or customer-facing roles.
It can. Where the lender program allows, we structure the purchase price, fit-out, initial franchise fee and working capital into one facility, so you're not juggling multiple loans at different rates. What's included depends on the lender and the brand's accreditation terms.
In most cases we're paid a commission by the lender when your loan settles, not by you. If a fee ever applies to your situation, it's disclosed in writing before you commit to anything — no surprises.
Find out if the brand is accredited — and what that means for your deposit — before you sign anything. A 30-minute call costs nothing.
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