Hard Money Lenders of Los Angeles
Franchise Owners - hard money loans Los Angeles

Borrower Solutions

Franchise Owners in Los Angeles, CA

Fast financing for franchisees acquiring or refinancing commercial property for their business locations

Financing for Franchise Owners

Franchise ownership represents a proven pathway to business success, combining established brand recognition with entrepreneurial independence. In Los Angeles, franchise businesses operate across virtually every sector, from quick-service restaurants and fitness centers to automotive services and healthcare clinics. For franchise owners ready to expand by acquiring commercial property for their locations, hard money loans provide fast, flexible financing that aligns with the unique needs of franchise operations.

The franchise business model offers advantages including brand recognition, operational systems, marketing support, and supplier relationships that independent businesses must develop from scratch. However, franchise owners also face obligations including franchise fees, royalty payments, and operational standards that affect cash flow and financing needs. Traditional commercial real estate lending may not fully appreciate these dynamics, while SBA loans, though popular for franchises, involve lengthy approval processes that can cause missed opportunities.
Our franchise owner loan programs recognize the value of established franchise brands and the business systems they provide. We work with franchisees across industries to finance owner-occupied commercial properties, including stand-alone buildings, retail center spaces, and mixed-use properties. Whether you're opening your first franchise location or expanding a multi-unit operation, we provide the capital and speed to execute your growth strategy in the competitive Los Angeles market.

Benefits for Franchise Owners

We understand the unique financing needs of franchise owners in the Los Angeles market. Our programs offer specialized solutions designed for your success.

Owner-occupied commercial loans
Franchise brand recognition considered
Fast expansion financing
SBA bridge loan alternatives

Get Started Today

Ready to explore financing options for Franchise Owners? Our team is here to help.

Fast Approval
Competitive Rates
Dedicated Support
Call (213) 667-4815

How We Help Franchise Owners

Owner-occupied commercial property acquisition allows franchise owners to purchase the real estate housing their business rather than leasing from third-party landlords. For successful franchise operations, ownership converts rent payments into equity buildup and provides control over the business premises. Our acquisition loans finance up to 75% of purchase price for qualified franchise concepts in good locations.

Franchise expansion financing supports multi-unit operators adding new locations. Los Angeles' massive consumer market provides opportunities for successful franchise concepts to scale across neighborhoods and demographics. Real estate secured loans can provide capital for franchise fees, build-out costs, equipment, and working capital for new locations, leveraging equity in existing properties or the owner's real estate portfolio.

Franchise resale financing assists entrepreneurs acquiring existing franchise locations from retiring owners or exiting franchisees. These transactions often move quickly, with franchisors and sellers preferring buyers who can close fast. Hard money loans provide the speed and certainty that helps franchise buyers win competitive resale opportunities.

SBA bridge loans address timing mismatches when franchise owners need to move quickly on opportunities but plan to secure SBA financing for permanent take-out. Our bridge loans provide interim financing that allows franchise transactions to proceed while SBA loans are processed, which typically takes 60-90 days or longer. Once SBA financing is approved, our loan is paid off from the SBA loan proceeds.

Program Benefits

Owner-occupied commercial loans

Take advantage of our specialized owner-occupied commercial loans designed specifically for franchise owners.

Franchise brand recognition considered

Take advantage of our specialized franchise brand recognition considered designed specifically for franchise owners.

Fast expansion financing

Take advantage of our specialized fast expansion financing designed specifically for franchise owners.

SBA bridge loan alternatives

Take advantage of our specialized sba bridge loan alternatives designed specifically for franchise owners.

Frequently Asked Questions

Do you work with all franchise brands or only specific ones?

We provide financing for franchise owners across a wide range of established franchise brands. We evaluate each franchise opportunity based on the brand's track record, financial stability, and market position. Well-established franchises with strong unit economics and experienced franchisor support typically qualify most readily. We also work with newer or emerging franchise concepts on a case-by-case basis, particularly when the franchisee has relevant industry experience. Our lending decisions consider both the franchise brand and the specific location, market conditions, and borrower's qualifications. We do not maintain a restricted brand list but evaluate each opportunity individually.

Can I use a hard money loan to purchase a franchise business and real estate together?

Yes, we can structure loans that finance both the real estate acquisition and the business purchase, though the real estate typically serves as the primary collateral. For transactions involving both business goodwill and real estate, we focus our underwriting on the real estate value while considering the business cash flow and franchise brand strength. Loan terms and leverage may differ from pure real estate loans, reflecting the additional complexity. We recommend that franchise buyers work with experienced franchise attorneys and accountants to properly structure business acquisitions with real estate components.

How does a bridge loan work if I plan to get SBA financing later?

Our SBA bridge loans provide interim financing while you complete the SBA loan application process. Here's how it works: (1) You apply for both our bridge loan and SBA permanent financing simultaneously, (2) We close the bridge loan quickly (typically 10-14 days) so you can complete your franchise property purchase, (3) You continue the SBA application process, which typically takes 60-90 days, (4) Once SBA financing is approved and closed, the SBA loan proceeds pay off our bridge loan in full. Bridge loan terms typically include 6-12 month terms with extension options if SBA processing takes longer than expected. Interest rates reflect the short-term, interim nature of the financing.

What if my franchise is a startup with no operating history?

We regularly finance franchise startups because our lending focuses on real estate collateral and franchise brand strength rather than operating history. For new franchise locations, we evaluate the franchisor's track record with startup locations, the specific market opportunity, and the franchisee's relevant experience. While established franchise locations with demonstrated cash flow may qualify for more favorable terms, startups can access financing with appropriate equity investment (typically 25-30% of project cost). We can also structure interest-only initial periods to accommodate the ramp-up phase common to new franchise locations. Some franchisors provide financial performance representations that help support lending decisions for startup locations.

Can you finance franchise tenant improvements and equipment?

Yes, we can include funding for tenant improvements, equipment purchases, and working capital as part of franchise property financing. For ground-up construction or substantial build-outs, we offer construction-to-permanent financing that covers both real estate acquisition and improvement costs. For existing properties requiring modification for franchise standards, renovation funds can be included in the loan. Equipment financing can be incorporated or handled separately depending on the amounts involved and ownership structure. We work with franchise owners to structure comprehensive financing packages that address all capital needs for franchise establishment or expansion.

Explore Other Borrower Types

Multi-Family Properties

Hard money lending solutions for duplexes, triplexes, apartment buildings, and multi-family investments.

Commercial Real Estate Investors

Tailored hard money loans for investors in office, retail, industrial, and mixed-use commercial properties.

Residential Flippers

Specialized financing for house flippers looking to purchase, renovate, and sell residential properties.

Ready to Get Started?

Contact us today to discuss your financing needs as a Franchise Owners.

Call (213) 667-4815