03/19/2026
A question I get often: "Do I have to write a check for the full investment?"
The short answer: usually not.
There are several pathways commonly used to fund franchise investments, and which one makes sense depends entirely on your own financial picture. Some of the most common include:
✦ SBA loans, particularly the 7(a) program, are widely used in franchising. Lenders are often more comfortable with established franchise brands because there's a track record to evaluate.
✦ ROBS (Rollover for Business Startups) allows some investors to use existing retirement funds without triggering early withdrawal penalties. This is a specialized structure that requires specific legal and financial expertise.
✦ Portfolio combinations - a mix of personal capital, financing, and working capital reserves - are the reality for most franchisees.
I work closely with funding specialists who do this every day, and connecting my clients to the right experts at the right time is part of what I do.
Understanding that options exist is step one. Building the right structure is step two - and you shouldn't do that alone.
If you're curious about how franchise investments are typically structured, I'm happy to walk you through it.
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