Tailored
Franchise Finance
Solutions
Fund your franchise acquisition or expansion with specialised financing solutions. Get competitive rates and expert guidance for your franchise investment.
Accredited and trusted
We're proud members of leading industry bodies, ensuring you receive professional and tailored financial solutions.
FBAA Member
Finance Brokers Association of Australia
AFCA Member
Australian Financial Complaints Authority
FRANdata Partner
Franchise Industry Research & Analytics
Access to 70+ business lenders
We work with Australia's leading bank, non-bank and private lenders to find you competitive rates and terms for your business needs.
What is Franchise Finance?
Franchise finance provides the capital needed to purchase a franchise, cover setup costs, and fund initial operations. Whether you're buying your first franchise or expanding an existing franchise network, specialised financing solutions can help you achieve your business goals with competitive terms and flexible repayment options.
Key Benefits of Franchise Finance
Discover why franchise finance is the smart choice for growing your franchise business.
Competitive Rates
Access competitive interest rates with flexible terms up to 7 years.
Fast Approval
Get approved in as little as 48 hours with our streamlined application process.
Flexible Terms
Tailored repayment terms that align with your franchise's cash flow and business model.
Expert Support
Dedicated franchise finance specialists who understand the unique needs of franchise businesses.
Growth Funding
Finance multiple franchise locations or expand your existing franchise operations.
Proven Success
Track record of successfully funding franchise acquisitions across various industries.
Franchise Finance at a Glance
New Franchise vs Existing Franchise
Choose the franchise investment approach that aligns with your risk tolerance and goals.
| Feature | New Franchise | Existing FranchisePROVEN |
|---|---|---|
| Initial Investment | Lower purchase price, startup costs | Higher purchase price for established customer base |
| Revenue Risk | Higher risk - building customer base from scratch | Lower risk - existing revenue stream |
| Financing Options | More financing options available | May require larger deposit due to higher value |
| Time to Profitability | 12-24 months typically | Often profitable from day one |
| Growth Potential | Unlimited growth potential from ground up | Limited by existing market position |
What are the fees & costs?
Understanding franchise finance costs helps you budget effectively for your new business investment.
Common Fees
Interest Charges
Who is it for?
Franchise finance is ideal for entrepreneurs and business owners looking to invest in proven business models.
Don't just take our word for it.
Read what our clients have to say about Splendid.
Sharni
GM, Online Retailer
"Bhavi was incredibly supportive and knowledgeable throughout the process of securing new funding for our eCommerce business. Always available to discuss any questions or concerns, he explained our options with clarity and patience."
Abhi
Owner, Logistics Company
"We are incredibly supportive and knowledgeable throughout the process of securing our business loan. Their expertise made all the difference, and we couldn't be happier with the outcome."
Helen
Director, Software Company
"Excellent service. The whole experience was seamless, fast and easy. Very impressed with how everything was managed, great communication along the way."
Simon
Owner, Marketing Agency
"Bhavi is fantastic to work with and genuinely cares about getting the best outcome for his clients. I highly recommend Splendid for any small businesses looking for finance solutions."
Byron
Founder, Development Company
"Great experience, spoke to me the whole way, got a great deal and never felt pressured at any time, highly recommend these guys."
Sharni
GM, Online Retailer
"Bhavi was incredibly supportive and knowledgeable throughout the process of securing new funding for our eCommerce business. Always available to discuss any questions or concerns, he explained our options with clarity and patience."
Abhi
Owner, Logistics Company
"We are incredibly supportive and knowledgeable throughout the process of securing our business loan. Their expertise made all the difference, and we couldn't be happier with the outcome."
Helen
Director, Software Company
"Excellent service. The whole experience was seamless, fast and easy. Very impressed with how everything was managed, great communication along the way."
Simon
Owner, Marketing Agency
"Bhavi is fantastic to work with and genuinely cares about getting the best outcome for his clients. I highly recommend Splendid for any small businesses looking for finance solutions."
Byron
Founder, Development Company
"Great experience, spoke to me the whole way, got a great deal and never felt pressured at any time, highly recommend these guys."
Sharni
GM, Online Retailer
"Bhavi was incredibly supportive and knowledgeable throughout the process of securing new funding for our eCommerce business. Always available to discuss any questions or concerns, he explained our options with clarity and patience."
Abhi
Owner, Logistics Company
"We are incredibly supportive and knowledgeable throughout the process of securing our business loan. Their expertise made all the difference, and we couldn't be happier with the outcome."
Helen
Director, Software Company
"Excellent service. The whole experience was seamless, fast and easy. Very impressed with how everything was managed, great communication along the way."
Simon
Owner, Marketing Agency
"Bhavi is fantastic to work with and genuinely cares about getting the best outcome for his clients. I highly recommend Splendid for any small businesses looking for finance solutions."
Byron
Founder, Development Company
"Great experience, spoke to me the whole way, got a great deal and never felt pressured at any time, highly recommend these guys."
Is my business eligible?
Check if you meet our franchise finance requirements for approval and competitive rates.
General Requirements:
Documentation Required:
What are the steps involved?
Franchise Selection
Choose your franchise and review the franchise disclosure document. We help you understand the financial requirements and opportunities.
Finance Structuring
We assess your financial position and structure the optimal financing solution, including deposit requirements and loan terms.
Lender Presentation
We present your franchise opportunity to our network of specialist franchise lenders who understand the business model.
Approval & Terms
We negotiate competitive terms and guide you through the approval process, ensuring all requirements are met.
Settlement & Launch
We coordinate settlement with the franchisor and help ensure your new franchise is ready to open successfully.
Why work with a broker like Splendid?
Access to multiple lenders
Compare offers from ~70 business lenders to find the right deal for your unique needs.
Save time and effort
We handle the application process and negotiate with lenders on your behalf.
Expert guidance
Our experienced team provides personalised advice based on your business needs.
Better outcomes
Higher approval rates and more favourable terms through our lender relationships.
How do I compare franchise finance offers from different lenders?
When comparing franchise finance offers, consider these key factors beyond just interest rates:
Key Comparison Factors:
Additional Considerations:
FAQs
Franchise finance amounts typically range from $50,000 to $5 million, depending on the franchise type, your financial position, and the lender's criteria. The amount you can borrow will depend on factors such as your credit history, cash flow, equity contribution, and the franchise's proven track record.
Interest rates for franchise finance typically start from 6.5% for secured loans and may be higher for unsecured options. The exact rate depends on factors including your credit score, the loan amount, term, security offered, and current market conditions. We work with multiple lenders to find you the most competitive rates available.
The approval process can be as quick as 48 hours for straightforward applications. However, complex applications or those requiring additional documentation may take 1-2 weeks. We streamline the process by preparing your application thoroughly and working directly with lenders to expedite approvals.
This depends on the loan amount and your financial situation. Secured franchise finance typically offers better rates and higher loan amounts, with the franchise assets or other business assets serving as security. Unsecured options are available for smaller amounts but may have higher interest rates.
Most lenders prefer established franchise systems with a proven track record of at least 2 years. However, some lenders may consider newer franchise systems if they have strong management, proven business models, and adequate franchisor support. We can help assess your options based on the specific franchise.
Typical documents include business plan and financial projections, franchise disclosure document, personal and business financial statements, tax returns, bank statements, franchise agreement, and proof of equity contribution. We provide a comprehensive checklist to ensure your application is complete.
Yes, franchise finance can be used to fund multiple locations, either simultaneously or as you expand. Multi-unit development loans are available for experienced franchisees looking to develop several locations within a territory. The terms and amounts will depend on your experience and financial capacity.
If your franchise faces financial difficulties, it's important to communicate with your lender early. Options may include temporary payment deferrals, loan restructuring, or workout arrangements. Many lenders prefer to work with borrowers to find solutions rather than pursue default actions.
Accelerate your business growth.
Ready to secure financing for your franchise investment? Get expert guidance and competitive rates from Australia's leading franchise finance specialists.