Finance question
Can a franchise get equipment finance?
Yes. A franchise can get equipment finance, and lenders often view a known franchise brand as lower risk because the model is proven and the numbers are familiar. The fit-out, vehicles or machinery secure the loan, subject to lender assessment.
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The short answer
A proven brand often works in your favour
Franchises sit well with asset-finance lenders. When a brand is established, a lender has a sense of how the model trades, what the fit-out costs and how the revenue tends to look. That familiarity can make an application smoother than a standalone business starting from scratch, because there is less of the unknown that makes lenders cautious.
The asset still does the heavy lifting. Whether you are funding a store fit-out, kitchen equipment, a delivery vehicle or machinery, the finance is secured by that asset. Across our panel of 40+ lenders, some are especially comfortable with recognised franchise systems, and we place your deal with the ones most likely to say yes.
New franchisees are not shut out. Even if you are opening your first location, the strength of the franchise model and the security in the equipment can carry the deal on low-doc terms. We package the franchise details properly so the lender sees the full picture, not just your time in business.
Do you qualify?
What makes a franchise deal fundable.
A recognised brand
A known franchise system can read as lower risk.
An active ABN
New and existing franchisees can both qualify.
A fit-out or asset
Equipment, fit-out or vehicles secure the finance.
A deposit can help
Not always needed, but it can widen your options.
Why franchises are often welcomed
A known model
Lenders understand how established brands trade, which builds comfort.
The asset secures it
Fit-out, gear or vehicles carry the risk, not your history alone.
Lenders differ
Some favour franchise systems. A broker places you with them.
A real example
A first-time franchisee opening a well-known cafe brand needs $80,000 for a kitchen fit-out and coffee equipment. With the brand recognised and the gear securing the loan, the deal is placed on low-doc and approved with a small deposit. Illustrative only.
Common questions
Frequently asked questions
Does a known franchise brand help my application?
Often yes. Lenders tend to be more comfortable with established models they understand, which can make placement easier.
Can a first-time franchisee get finance?
Yes. The strength of the franchise model and the security in the asset can carry a deal even without a long trading history.
What can I finance for a franchise?
Fit-outs, kitchen and store equipment, vehicles and machinery, up to $500,000, subject to lender assessment.
Do I need full financials?
Often no. Many franchise deals are assessed on low-doc, using the asset and an active ABN.