Franchise Finance

Funding to help your franchise business flourish.
Business Finance Team

Funding for your franchise purchase and for business growth

Having easy, affordable, access to working capital makes business growth and success so much easier. This applies as much to franchise businesses as to any other. 

Buying into a franchise demands substantial upfront investment, which you may fund yourself. But working capital - the cash required for running day-to-day operations and which seeds growth - is also essential. 

We help franchise owners raise the capital that will help them grow and thrive.

How franchise finance helps you

With the right funding in place for your franchise business you can:

- Invest in new equipment.
- Boost your marketing campaigns.
- Fund early operating costs.
- Hire and train the right people.
- Open new premises.

The first steps towards the funding your business deserves
Tell us a bit more about your requirements
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Unless you are a new start-up company, the minimum turnover most lenders will deal with is £250,000.

Trading History

Similarly to Turnover, start-up companies can get funding, however a minimum of 6-12 months trading will give you access to a much more broad range of lenders on our panel.

UK Registered Businesses

Due to us dealing with UK Based Lenders, we can only find funding solutions for UK Registered Businesses.

Unsecured loans for franchise businesses

You want to capitalise on the brand that you’ve bought into. An unsecured loan can help you achieve this. The loan allows you to invest in the future of your business, giving you the funds vital to securing ongoing success.

Some benefits of an unsecured loan for a franchise business include:
- Gives you the cash to help generate future revenue.
- Repayments over a fixed term, allowing you to plan.
- No assets are used as collateral.

We help business owners explore the finance options that will be most appropriate and cost-effective for their circumstances.

Funding for all stages of the franchise business life cycle

Owning a business is a journey, and franchise business ownership is no different. We help both franchisees and franchisers secure the funding they need.

Talk to us about finance for:
- Buying your first franchise business.
- Expanding your business.
- Buying out co-owners in your franchise.
- Investing in becoming a franchiser.

Whatever your finance needs for your business, our team of funding specialists is available to talk.


Can I get funding to open a franchise business?

Yes, we can help you raise the funds needed to purchase the franchise.
However, every franchisor has their own approach to how the purchase of a franchise is funded. We recommend that you speak to them first, to understand what is acceptable and how other franchisees have raised finance.

Can I get invoice finance for a franchise business?

It is possible to arrange invoice finance for a franchise business, where that business raises invoices on its customers on credit terms. 
For franchise businesses that sell direct to consumers, where invoice finance is not appropriate, other funding options are available.

How much is the typical loan to a franchise business?

Because every situation is different, the amounts raised and the methods of funding will vary. However, the finance arrangements we help to put in place typically range from £20k up to £1m and beyond.
What’s important is that the amount is right for your business and circumstances.


“Spark Finance have been incredibly helpful from start to finish. They helped secure a CBILs package even when many lenders had stopped considering new applications. They've informed us of new developments every step of the way and have helped us through this uncertain time. Nice one, guys!”

Reviews from our clients

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Disclaimer: Spark Finance Ltd (Registered office - 18 John Stow House, London, England, EC3A 7JB, Registered Number 10128297) helps UK firms access business finance. Spark is a credit broker, not a lender. Any quotes provided are for information purposes only and subject to status and separate lender terms and conditions. Applicants must be aged 18 and over.  Guarantees and Indemnities may be required.  Spark Finance may receive commission from lenders.  Spark Finance Ltd is authorised and regulated by the Financial Conduct Authority in the UK (FRN 958123).
© Spark Finance Ltd is authorised and regulated by the Financial Conduct Authority (FCA) in the UK. Their reference number is 958123, and you can use that to find them on the FCA register.