2026-03-12 · 8 min read
Franchise Financing Options Explained
SBA loans, ROBS, equipment financing, and liquid capital — how buyers typically fund franchise ownership.
Liquid capital still matters
Even with loans, brands want to see cash for living expenses and unexpected ramp costs.
SBA 7(a) is common for franchises
Many franchise systems appear in the SBA Franchise Directory. Approval still depends on your credit, experience, and equity injection.
ROBS can unlock retirement capital
A Rollover for Business Startups may let qualified buyers use retirement funds without an early-withdrawal tax event when structured correctly — use specialized providers and counsel.
Match financing to the model
Equipment-heavy concepts may use equipment finance. Low-overhead consulting models may need less total capital but still require runway.
Want help applying this to your capital and lifestyle?