Finance question
Can I fund a franchise purchase?
Yes. A franchise purchase can be funded, often bundling the franchise fee, the fit-out and the equipment into one plan. The fit-out and gear can be secured as assets, while larger or property-backed deals reach further, so you open without paying for everything upfront.
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The short answer
Franchise fee, fit-out and gear in one plan
Buying into a franchise has several costs at once: the franchise fee, the shop or premises fit-out, and the equipment to trade. Rather than fund each from savings, these can be arranged together so you preserve cash for the first months of trading when you need it most. Working capital in those early months is often what decides whether a new site gets to a steady footing.
The equipment and fit-out do real work as security. Asset finance can cover the fit-out and gear up to $500,000, secured by the assets themselves, often on low-doc or no-doc terms. Where the total is larger or you own property, a property-backed facility at single-digit rates can carry the whole purchase, including the fee that asset finance alone would not stretch to.
An established franchise brand can help your case. Lenders take comfort from a proven system and known unit economics, which is why even a new operator can often be funded. A broker packages the franchisor's model alongside your profile and puts it to the lender most likely to back it, rather than sending you to one that treats you as an untested startup.
Do you qualify?
What makes a franchise deal fundable.
A chosen franchise
An agreement or offer from the franchisor.
Fit-out and equipment
Assets the finance can be secured against.
An active ABN
New operators and companies both qualify.
Property can extend it
Owned property can fund larger totals at lower rates.
Why franchises are fundable
A proven model
A known franchise system gives lenders unit economics they can assess.
Assets secure it
Fit-out and equipment stand as security up to $500,000.
One plan, not five
Fee, fit-out and gear arranged together instead of piecemeal.
A real example
A first-time operator buys into a food franchise. The fit-out and kitchen equipment are financed as assets up to the equipment limit, while the franchise fee is folded into the same plan. They open with cash still in the bank for the first months. Illustrative only.
Common questions
Frequently asked questions
Can the franchise fee itself be financed?
Often yes, especially when bundled with the fit-out and equipment or supported by property.
Do I need to have run a business before?
Not always. A proven franchise model can support a new operator, subject to lender assessment.
How much can the equipment side cover?
Asset finance reaches up to $500,000, secured by the fit-out and gear.
Is a deposit required?
Sometimes, sometimes not. A deposit can widen your options and is worth discussing early.