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Funding Options to Launch Your Franchise Business

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Franchising Consult Group, based in Atlanta, GA, helps entrepreneurs across the U.S. explore smart, flexible ways to fund their franchise journey. Whether you're just starting or ready to invest, we’ll help you understand your options and connect you with trusted funding partners.

Call (678) 857-8591 to schedule a free consultation and learn how to fund your future business.

How Can You Fund Your Franchise?

It’s one of the most important questions you’ll ask:

“How can I fund my franchise?”

The good news? You may have more options than you think. From retirement rollovers to unsecured loans, there are multiple ways to finance your business—each with its own benefits, timelines, and requirements.

We’ve outlined the most popular methods below to help you make an informed decision.

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401k Rollovers—Use Retirement Funds Without Penalties

A 401(k) rollover allows you to invest up to 100% of your retirement funds into your business—without paying early withdrawal penalties or taxes. This method can be used with various retirement accounts, not just 401(k)s.


Benefits of 401(k) Rollovers

  • No loan repayment or interest
  • Pre-tax dollars used for investment
  • Can help meet SBA loan cash injection requirements
  • Immediate salary and benefits for owners
  • Profits can roll back into retirement plans upon exit.

This option is popular because it reduces debt and accelerates profitability. Rollovers can be completed in just a few weeks, making them a fast and strategic funding method.

Unsecured Loans—Quick Access Based On Credit

Unsecured loans—also known as signature loans—are based on your creditworthiness and require no collateral.

Typical Requirements

  • Minimum credit score of 700
  • No derogatory credit history
  • Less than 40% utilization on current credit accounts

These loans can be approved in as little as two weeks, making them ideal for entrepreneurs who want fast access to capital without risking personal assets.

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SBA Loans—Government-Backed Lending Support

The Small Business Administration (SBA) doesn’t lend directly, but it guarantees up to 90% of a loan for qualified borrowers. This makes lenders more willing to approve funding.

Advantages of SBA Loans

  • Lower interest rates
  • Longer repayment terms
  • Support for working capital, equipment, and real estate

SBA loans typically take 60–90 days to secure. They’re a great option for those with strong credit and a solid business plan.

Home Equity Lines Of Credit—Leverage Your Property

If you own a home, a home equity line of credit (HELOC) can be a low-cost way to fund your franchise.


Typical Costs

  • 1%–3% of your home’s value
  • Interest rates between 5% and 10%, depending on credit

HELOCs can be established in 30–60 days and offer flexible repayment options. This method works well for homeowners with available equity and good credit.

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Choosing the Right Funding Strategy

Each funding method has pros and cons. The best option depends on your financial situation, timeline, and long-term goals. That’s why we’ve partnered with leading funding companies that specialize in franchise financing.


These experts understand the franchise industry and can help you:

  • Compare funding options
  • Understand qualification requirements
  • Customize a plan that fits your needs
  • Accelerate your path to ownership

Frequently Asked Questions

  • Can I use multiple funding sources?

    Yes. Many clients combine methods, such as a 401k rollover with an SBA loan.

  • Is franchise funding available nationwide?

    Yes. We work with funding partners who serve clients across the U.S.

  • Do I need perfect credit?

    Not always. Some options are available for those with fair credit, especially if you have retirement funds or home equity.

  • How long does funding take?

    It depends on the method. Some options take 2 weeks; others take up to 90 days.

Ready to Fund Your Franchise Journey?

Franchising Consult Group is here to help you explore funding options and connect with trusted partners.

Whether you're just starting or ready to invest, we’ll guide you through the process.

📞 Call (678) 857-8591 or visit our Complimentary Consultation page to get started.