Franchise Loans
Are you in need of conventional franchise loans to expand your business? We’ve assisted thousands of franchise owners like you in securing the financial support necessary to grow their franchises nationwide.
Funding is available from $10K to $10MM.
Benefits of a Conventional Loan
Our Conventional Business Loan program is designed for speed. Some transactions can be approved within hours, and most are approved within just a few days, helping you get quick access to the funds you need for your franchise expansion.
Approval Speed
Our Conventional Business Loan program is built for speed. Some transactions can be approved in a couple of hours and most transactions are approved within a couple of days.
Up To 100% Financing
At IRH Capital, we finance up to 100% of your project cost for new builds, acquisitions, and refinance of debt. Note that financing for new builds includes both equipment and the construction costs.
Commercial Program
IRH Capital has developed financing programs for transactions between $1 million and $10 million that are efficient and competitive. Find out how easy and stress free it can be to finance $1 million +.
Pre-Funding Options
IRH Capital can make the down payment that is typically required by your contractor or equipment distributor.
Application-Only
For financing up to $300,000, IRH Capital offers a simple, one-page application with no need for additional financials. This streamlined process makes franchise funding faster and easier, allowing you to focus on running your business.
Term Flexibility
We will work with you to determine the best structure for your specific needs. Terms typically range from three years to seven years. Structured terms, including seasonal payments, are available.
$1 Billion in Approved Transactions Since 2001
Franchise Funding Programs
Securing a franchise business loan can be challenging. With 20+ years of experience in franchise finance, IRH Capital excels in structuring transactions tailored to your specific needs.
Our world-class customer service and tailored financial options set us apart. Hear from our satisfied customer, Chad Vickers!
Reliable Financing Solutions
Work with a team you can trust. At IRH Capital, we are experts in franchise financing, serving the franchise community for over twenty years. As industry leaders, 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.
Understanding Your Financing Options
Whether you're opening your first location or expanding your footprint, our financing programs are designed to meet your unique needs. Below are answers to the most common questions franchisees ask when exploring financing options.
What types of financing does IRH Capital offer?
IRH Capital provides financing solutions for remodels, new builds, signage, acquisitions, equipment purchases, refinancing, and working capital. Programs range from $10,000 to $10 million, with up to 100% financing available depending on the project.
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 efficiently to deliver credit decisions as quickly as possible, helping you keep your projects on track without unnecessary delays.
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.
What about multi-unit franchisees?
We offer flexible financing options for multi-unit operators looking to expand, remodel, refinance, or upgrade equipment. Depending on the project, up to 100% financing may be available.