Franchise Loans Up to $10 Million Fast and Flexible Financing

$1B+ Funded • 20+ Years Experience

Fast Approvals • Flexible Terms • Nationwide Financing

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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.

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.

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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.

Franchise Financing Basics

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. Provide your feedback on BizChat

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