Franchise Loans Up to $10 Million Fast and Flexible Financing
IRH Capital helps franchise owners nationwide secure conventional loans for remodels, new builds, acquisitions, equipment, and refinancing with flexible terms beyond SBA restrictions.
Trusted by 1,000+ Franchisees • $1B+ Funded • 20+ Years Experience
Fast Approvals • Flexible Terms • Nationwide Financing
- What is a Franchise Loan?
- A franchise loan is specialized financing that helps entrepreneurs open, remodel, acquire, or expand franchise locations. These loans can cover build-outs, equipment purchases, and acquisitions, often with flexible terms that go beyond standard SBA requirements.
- Who Provides Franchise Financing?
- IRH Capital offers conventional franchise loans up to $10 million for acquisitions, remodels, new builds, equipment purchases, and refinancing—helping franchise owners access fast, flexible funding nationwide.
Why Franchise Owners Choose IRH Capital for Franchise Loans
At IRH Capital, we’ve specialized in conventional loans for franchise business owners for more than two decades. Whether you’re financing a new build, acquiring multiple locations, refinancing existing debt, or remodeling an existing store, our conventional financing program delivers competitive terms and funding from $10,000 up to $10 million.
Faster Approval
Get the capital you need without delays. Conventional loans often move faster than SBA or alternative options, allowing you to act quickly on new locations, remodel projects, or acquisition opportunities.
Pre-Funding Options
IRH Capital can provide the down payment that’s typically required by contractors or equipment distributors. This ensures your projects stay on schedule and helps bridge gaps when upfront costs create hurdles.
Higher Loan Amounts
Looking to scale? Our program supports larger projects and multi-unit growth with financing up to $10 million, giving franchisees the flexibility to expand without hitting capital roadblocks.
Up To 100% Financing
We can finance up to 100% of your project cost for new builds, remodels, acquisitions, and refinancing. For new builds, funding covers both construction costs and equipment, helping franchisees launch with minimal upfront out-of-pocket investment.
Flexible Terms Built for Franchise Owners
We customize repayment schedules to fit your operation. Terms typically range from 3 to 7 years, and we offer structured options like seasonal payments, ideal for businesses with cyclical cash flow.
Application-Only Program
For loans up to $300,000, we offer a simple one-page application with no additional financial statements required. This fast-track process makes it easier for franchisees to secure the capital they need while focusing on running their business.
Reliable Financing Solutions
At IRH Capital, we are experts in franchise financing, serving the franchise community for more than two decades. We offer a range of fast, easy, and customizable conventional financing options to meet your specific needs.
- Gretchen Blake, VP of Business Development, IRH Capital.
Conventional vs SBA vs Working Capital
Quick comparison to help franchise owners choose the right program.
| Feature | Conventional Financing | SBA Loan | Working Capital Loan |
|---|---|---|---|
| Loan Size | $10K – $10MM | $50K – $5MM | $10K – $250K |
| Approval Speed | Fast | Moderate / more paperwork | Fast |
| Use of Funds | Build, remodel, acquire, refinance | Broad uses (incl. startup), but regulated | Inventory, payroll, marketing, short-term gaps |
| Terms | Flexible | Longer terms | Short-term (≈ 6–36 months) |
| Best For | Growth & expansion for existing franchisees | Startups & lower-equity borrowers needing longer amortization | Existing franchisees needing cash on hand |
| Time in Business (Typical) | 2+ years TIB | Startups OK | 2+ years TIB |
| Collateral / PG | Business collateral + PG | Business & personal collateral + PG | Typically unsecured; PG required |
PG = Personal Guarantee; TIB = Time in Business.
How the Franchise Loan Process Works
Apply online
Submit your basic franchise and business details to begin the financing process with IRH Capital.
Get pre-qualified
Our team reviews your application promptly so you can move forward with confidence and minimal delays.
Customize your loan
Work with an IRH specialist to select flexible terms, repayment schedules, and seasonal options.
Receive funding
Approved funds are disbursed directly for remodels, acquisitions, equipment purchases, or new builds.
Franchise Loan Requirements, Eligibility, and FAQs
Whether you’re a first-time franchisee or a multi-unit operator, IRH Capital provides flexible franchise financing options to fit your needs. Below are answers to the most common questions franchise owners ask about business loans, funding, and approvals.
What types of financing does IRH Capital offer?
IRH Capital offers financing solutions for remodels, new builds, signage, equipment, acquisitions, refinancing, and working capital. Programs range from $10,000 to $10 million with up to 100% financing available depending on the project. Whether you are opening your first location or expanding into multi-unit ownership, IRH Capital has the expertise to structure the right loan for your needs.
Do I need to use my home or personal collateral?
No, you do not. Collateral and guarantee requirements vary by program and credit profile. Most transactions are secured by business assets and a personal guaranty. In some cases, additional collateral may be required, but we’ll outline all requirements upfront, so there are no surprises.
How quickly can I expect a decision?
Our team works quickly and efficiently to deliver credit decisions, helping you keep projects on schedule without unnecessary delays. We aim to provide fast, reliable approvals so franchise owners can move forward with confidence.
Do you finance first-time franchisees?
Yes, in select cases through SBA-backed programs. While our primary focus is on experienced operators with at least two years of business history, we may consider strong first-time franchisee candidates who demonstrate financial and operational readiness. Our programs are designed to make entering franchising accessible and achievable.
What about multi-unit franchisees?
Absolutely. IRH Capital has financed multi-unit expansions and acquisitions for more than 20 years. With over $1 billion in approved transactions, we have the experience to support franchisees growing from one location to many.