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  • Home
  • Franchise Lending
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  • Business Acquisitions
  • Commercial Real Estate
  • Working Capital
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  • Hotel Acquisition Lending
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  • Lenders
  • Educational Resources
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Franchise Lending is Our Bread and Butter!

Click GET PRE-QUALIFIED and learn why we are the experts in franchise lending. We will work with you to help you fully understand the process and guide you to the right lender who can fund your project.  Get Pre-Qualified for the franchise of your choice today!

GET PRE-QUALIFIED

Franchise Financing that Fits Your Needs

Franchise Startup

Real Estate with Construction

Multi-Unit Ownership

The FLS Funding Marketplace has lenders that will finance up to 90% of the project cost for new franchisees.  That is 90% of everything! Franchisee Fee, Training, Travel, Deposits, Legal Fees, Accounting, Construction, Furniture, Fixtures, Equipment, Inventory, Soft Costs and Working Capital.

Multi-Unit Ownership

Real Estate with Construction

Multi-Unit Ownership

Are you an existing franchisee looking to grow with at least one location open and profitable for at least the last 6 months?  The FLS Funding Marketplace has lenders that will finance up to 100% of the cost of your next unit. Start your multi-unit ownership journey today!  

Real Estate with Construction

Real Estate with Construction

Real Estate with Construction

The FLS team consists of experienced commercial construction lending specialists.  Whether you are buying the dirt or doing a ground lease, the FLS Funding Marketplace has lenders willing to finance up to 90% of the project for new franchisees and up to 100% of the project for existing franchisees. 

Leasehold Improvements

Real Estate with Construction

Real Estate with Construction

The majority of franchisees lease their space.  The FLS Marketplace's lenders will finance the demise of the existing space and the new buildout of your new franchise location.  Find the best loan offer on the FLS Marketplace.

Furniture, Fixtures, and Equipment

Furniture, Fixtures, and Equipment

Furniture, Fixtures, and Equipment

Are doing a build to suit lease but still need financing for the furniture, fixtures, and equipment?  Maybe it is just time to refresh your locations look?  The FLS Marketplace has the right lenders.

Working Capital

Furniture, Fixtures, and Equipment

Furniture, Fixtures, and Equipment

Whether you need money to purchase small equipment, pay vendors, meet payroll, buy inventory, or meet any other business needs, FLS Funding will find the right lender for you.

Partner Buyout

Furniture, Fixtures, and Equipment

Multi-Brand Ownership

There may come a day when your partner wants to exit your business.  Let FLS Funding help source the money needed for you to buy them out. Our lender will finance up to 100% of eligible buyouts.

Multi-Brand Ownership

Furniture, Fixtures, and Equipment

Multi-Brand Ownership

The SBA recently changed its affiliation rules. This change allows you to borrow up to $5,000,000 per NAICS code (industry).  This is a golden opportunity for franchise investors to own multiple franchise concepts in different industries and still have access to 90% lending up to $5,000,000 for each franchise concept.

Financing for current operators

Utilize FLS Funding to Finance Your Multi-Unit Expansion

  • Franchise system must have at least 200 units
  • Project financing up to 85%-90% of leasehold improvements and F, F, & E (no ground-up construction projects)
  • No personal assets taken as collateral
  • Application only for up to $500,000 
  • Full underwriting of business financials for requests between $500,001 and $5,000,000
  • 84-month straight amortization or an 84-month balloon with a 120-month amortization (lower payment option)
  • Close in as little as 4 weeks
  • Rates lower than the average SBA 7a rates
  • You keep any negotiated tenant improvement allowance from landlord
  • PG required
  • No US Citizenship requirement, Permanent Legal Residents eligible
  • Will not finance first time franchisees, only proven operators

Learn More ABout Current operator Financing Options

Contact US

Lower your cost of expansion!

Does your franchise require stand-alone facilities?  Is your business in need of a cash injection? Do you need to deleverage your balance sheet for your current lender? Do you want to lower your cost of expansion so you can grow more rapidly?

Sale Leaseback Program

FLS Funding's strategic partners will structure the sale of your company's real estate assets and negotiate the terms of a long-term lease agreement.  Resulting in an Injection of cash into your business and the deleveraging your balance sheet.

Build-to-Suit Financing

FLS Funding's strategic partners will develop a tailored plan to assist you to fund growth by building a program that funds the future of your entire development pipeline through structuring a sale leaseback while maximizing the proceeds to focus on further development. 

The SBA 7a Loan is the Most Utilized Loan for a Franchisee's First Unit.

  •  The SBA 7(a) loan has a maximum loan amount of $5,000,000 per NAICS code.  
  • Banks are allowed to lend up to 90% of the total project costs (franchise fee, real estate purchase, ground-up construction, leasehold improvements, deposits, furniture, fixtures, equipment, inventory, soft costs, working capital, closing costs, and fees) for the franchisee. 
  • They have an extended interest only payment periods during build out and construction that are funded by the loan. 
  • The loans are fully amortized with no balloons.  
  • There are no prepayment penalties for loans less than 15 years.  Loans longer than 15 years have 3-year declining prepayment penalty.
  • Real estate loans can have amortizations up to 25 years 
  • Non-real estate loans can have amortizations up to 10 years. 


All of this makes the SBA 7 (a) loan the most popular loan choice for first time franchisees for a reason. 

GET PRE-QUALIFIED

Why invest in a Franchise?

Proven Business Models

Proven Business Models

Proven Business Models

Franchises typically come with a well-established and tested business model. The franchisor has already developed a successful concept, which can reduce the risks associated with starting a new business. This can increase the likelihood of success.

Brand Recognition

Proven Business Models

Proven Business Models

Many franchises are well-known brands with a strong presence in the market. This brand recognition can attract customers more easily than a new, unknown business. Consumers often feel more comfortable engaging with a brand they already know and trust.

Training and Support

Proven Business Models

Training and Support

Franchisors provide training and ongoing support to franchisees. This can include initial training on operating the business, ongoing updates on industry trends, marketing assistance, and access to resources that can help the franchisee succeed.

Economies of Scale

Marketing and Advertising

Training and Support

Franchise systems often benefit from economies of scale. This means that the franchisor's purchasing power can lead to lower costs for supplies, equipment, and other essential business resources. Franchisees can leverage these benefits to reduce their operational expenses.

Marketing and Advertising

Marketing and Advertising

Marketing and Advertising

Franchisors usually manage national or regional marketing and advertising campaigns. This can be a significant advantage, as it allows individual franchisees to benefit from collective marketing efforts without the need to create their own campaigns.

Reduced Risk

Marketing and Advertising

Marketing and Advertising

The failure rate of franchises is generally lower than that of independent start-up businesses. This is because the franchise model provides a roadmap for success and support from the franchisor, reducing some of the uncertainties and risks associated with entrepreneurship.

Access to Expertise

Access to Expertise

Access to Expertise

Franchisees can tap into the expertise of the franchisor and other franchisees within the network. This can provide valuable insights and advice on running the business effectively.

Faster Startup

Access to Expertise

Access to Expertise

Starting a business from scratch can be time-consuming and involves multiple steps, such as developing a business plan, creating branding, and setting up operational processes. Franchisees can skip many of these initial stages and start operating more quickly.

Financing Options

Access to Expertise

Financing Options

Some franchises are more desireable than others to a lender, let us help guide to you to the lender that is the best fit for your franchise of choice. Making it easier for you to secure financing for your investment.

Scalability

Scalability

Financing Options

If a franchisee successfully operates one location, they may have the opportunity to expand by opening additional franchise units. This scalability can lead to increased profitability over time.

FLS Funding Marketplace vs Other Online Franchise Lenders

The FLS Funding Marketplace

Other Online Franchise Lenders

Other Online Franchise Lenders

  • Our Marketplace has franchise friendly lenders willing to finance up to 90% of the total project costs.
  • Our Lenders offer longer interest only payment periods so you can preserve more cash flow when you open.
  • FLS Funding is staffed with actual commercial credit underwriters to ensure your experience goes smoothly all the way to the closing table.
  • Easy online document collection software, you can even do it from your phone.
  • Our software allows you to see where you are at every stage of the process to give you a seamless application experience.

GET PRE-QUALIFIED

Other Online Franchise Lenders

Other Online Franchise Lenders

Other Online Franchise Lenders

  • Most of their lenders only finance 80% of the total project costs of startup franchise locations. Sometimes they go to 85%.  This means you eventually discover that you have to inject more money into the project than you expected.
  • Most do not have actual previous commercial underwriters on staff to assist you through the loan process. They are just staffed with salespeople, most with no previous commercial lending experience.
  • They do not collect enough required documents during the online application process.  Making the client feel blindsided and frustrated once they begin working with a lender.

Helping Franchisees is our passion

    • Home
    • Franchise Lending
    • Recent Transactions
    • Franchisors
    • Business Acquisitions
    • Commercial Real Estate
    • Working Capital
    • Equipment Purchases
    • Hotel Acquisition Lending
    • SBA Loans
    • RURAL BUSINESS LOANS
    • Lenders
    • Educational Resources
    • Contact

    FLS Funding

    301 West Platt Street, Suite 705, Tampa, Florida 33606, United States

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