Unique Capital’s Team has material experience financing franchisees including unique lending programs that are better terms that SBA without requirement of additional collateral beyond the individual location of a franchisee’s business, loan amount of 4x 2021 EBITDA based on company-prepared P&Ls, and fixed rate for up to 10 years.  

While we can utilize our SBA 7a and SBA 504 programs (link to the SBA page here), this specialty lending program can suit the needs for refinancing with a cash out as well as acquisition financing.  Whether you’re a single franchise owner or have a portfolio of locations, come talk to us.

Unique benefits of working with Unique Capital for your Franchise Financing:

 

• Loan amount = 4x 2021 EBITDA (includes a cash out)
• Unlimited number of loans at $5MM per location (versus SBA 7a and 504 limits)
• Offer 10-year fixed rate 
• Interest-only periods up to 12 months 
• Personal Guarantees are required, but no outside assets as collateral 
• Offer no equity requirement to acquire franchise location(s) and/or new start-up franchise location(s)
  • • Leverage Borrower’s existing franchisee’s location at 4x 2021 EBITDA to refinance any existing debt with excess loan proceeds funding the 20% “equity” portion to acquire another franchise location and/or new startup location with funding the remaining 80% of the acquisition cost utilizing loan calculated with 4x EBITDA of the target and/or new start-up’s financial forecast, respectively.