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Royalties, refreshes, and expansion — funding for franchisees, built on your unit’s own revenue.
Franchisees can fund remodels, equipment packages, and expansion with $5,000 to $10 million from Full Send Funding, underwritten on the unit's own revenue — 4+ months in business, $10,000 or more in monthly revenue, no collateral required. Franchise ownership comes with a bill the independents never see: brand-mandated remodels, spec equipment packages, technology rollouts — often on the franchisor's timeline, not yours. Meeting those obligations without draining working capital is the most common reason franchisees come to us.
We fund franchisees across food, fitness, service, and retail brands at $5,000–$10 million, underwritten on your unit's own revenue — 4+ months operating and $10,000+ monthly. Multi-unit operators typically fund the next unit off the current units' deposits, the standard expansion path.
A franchisee's statements read differently from an independent's in one respect: a fixed share of every dollar deposited is already spoken for. Royalty and national marketing fees leave the account on the franchisor's schedule, ahead of rent and anything a funder is repaid from. That stops nothing, but it is why the number an underwriter writes down is usually not the revenue ceiling. An offer is the smallest of three figures — what the revenue supports, what the account carries as a recurring debit once the fees are out, and the program limits — and on a franchised unit the middle one usually binds.
Franchisees typically see 80%–150% of monthly revenue per location, within $5,000 to $10 million. A unit doing $70,000 a month generally lands in the $56,000–$105,000 band. Multi-unit operators are usually underwritten on combined deposits — include statements from every location.
Our funding sits on your business, not the franchise agreement, so franchisor consent is typically not required — but check your agreement’s debt covenants, and your advisor can work within them.
Funding is underwritten on existing revenue — so first-unit startups need 4+ months of operations. Existing operators expanding to a new unit qualify on their current units’ deposits, which is the standard multi-unit path.
Decisions within 24 business hours and, on deals up to $2 million, funding within 24 hours of approval. Franchisor deadlines are a familiar urgency — say so up front.
Yes, and a fixed franchisor deadline is legitimate urgency worth stating plainly — it changes how the file is prioritised.
Usually yes, on combined deposits. Include statements from every location; leaving one out understates the revenue the offer is sized against.
They can, and usually through the affordability test rather than the revenue one. Royalties and the marketing fee are counted before a remittance is when underwriting works out what the account can carry, so a franchised unit and an independent with identical deposits do not always see the same offer. Nothing about that is held against the file. The lever you control is term: the same dollars a day collected over more banking days supports a larger amount, though a longer term costs more in total, so it is a trade to make deliberately rather than by default.
Generally not the purchase itself. Underwriting reads the applicant business's own four months of business bank statements, so what matters is whose account the trading history sits in: an entity formed to make the purchase has none of its own yet, and there is no window to read. A purchase is what SBA and other term financing are built for, and either will cost considerably less than working capital would. Where we fit is after the handover: once the business you own has four months of deposits and $10,000 or more a month running through it, working capital on top of the acquisition — the ramp, a remodel the franchisor requires, an inventory rebuild — is the ordinary case. If you already operate other units, their deposits can carry the conversation sooner, so bring statements for every location.