Finance question
Can I get working capital for a franchise?
Often yes. Franchises split neatly into two funding needs: the fit-out and equipment, which asset finance covers up to $500,000, and the softer working capital for wages and stock through the ramp-up, which property equity funds at single-digit rates. New franchisees with no long ABN history can still qualify.
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The short answer
Fund the fit-out and the first few months
A franchise has a known shape, which lenders like. There is a fit-out to build, a defined equipment list from the franchisor, and a ramp-up period where wages and stock run ahead of sales. Ventas is a broker, so we fund those pieces separately, using the finance that fits each one rather than one loan stretched over everything.
The fit-out and gear are asset finance. A coffee franchise's espresso setup, a gym's equipment package, a fast-food kitchen line or a cleaning franchise's vans can be financed up to $500,000, often low-doc or no-doc and secured by the assets themselves. That keeps your cash for the costs a lender cannot fund directly.
The working capital, the wages, stock and franchise fees that come before the store is busy, is where property equity earns its place. A facility at single-digit rates, with no financials on many deals, carries the first few months. New franchisees matter here: property-backed lending does not need a long ABN history, so first-time owners still qualify.
Do you qualify?
What makes a franchise deal fundable.
A fit-out and gear list
The franchisor's equipment package can be financed to $500,000.
A known brand
An established franchise system gives lenders a track record to lean on.
Equity for ramp-up
Property equity funds wages and stock before sales build.
New owners welcome
No long ABN history needed on property-backed deals.
Why a franchise is well suited to funding
A proven model
A known system and equipment list make the deal easier to place.
Gear on the asset
Fit-out and equipment secure themselves, keeping your cash free.
New is fine
Property-backed lending does not need years of trading behind you.
A real example
A first-time owner takes on a cafe franchise. The $140,000 fit-out and espresso equipment go on asset finance, secured by the gear, while home equity covers three months of wages and opening stock at a single-digit rate. No long trading history was needed. Illustrative only, subject to lender assessment.
Common questions
Frequently asked questions
Can I fund the fit-out and working capital together?
Yes, but usually as two structures: asset finance for the fit-out and gear, and a property-backed facility for the softer working capital.
I am a first-time franchisee. Do I still qualify?
Often yes. Property-backed lending does not need a long ABN history, so new owners can still be funded, subject to lender assessment.
Can the franchise equipment be the security?
Yes, the fit-out and gear secure the asset finance, up to $500,000, often low-doc or no-doc.
What if I do not own property?
Then more of the deal leans on asset finance, and we structure the working-capital piece around what security is available.