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Franchise Lending

Securing the financing that your franchise needs.

The FNB Small Business Finance team provides tailored lending solutions for franchise owners, offering flexible loan options with variable and fixed rates.

Partnering with franchise owners in a variety of industries

Our lending team at FNB Small Business Finance is partnering with franchise owners in several industries, including auto repair, early childhood education, general services and more. We know the brands and needs of the operators. Our team can tailor a financing solution that meets the unique needs of the franchise concept and help the franchise owner(s) drive success.

To be eligible for SBA franchising, the franchise concept must be approved by SBA and listed on the SBA Franchise DirectoryRedirect icon

Franchise deal types that our team can help with:

Acquisitions

Acquisitions

Partner Buyout

Partner Buyouts

Expansions

Expansions

Start-Ups

Start-Ups

Real Estate

Real Estate

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Let us put our SBA know-how to work for you. Schedule an appointment with one of our experts today.

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Franchise Lending

Franchise Lending Solutions

Small Business Administration (SBA) lending offers flexible financing solutions to help franchise owners achieve their business goals. Whether you are acquiring a franchise, expanding to a new location, investing in real estate or launching your first venture, these loans provide the financing necessary to support your needs.

Benefits of SBA Lending

Benefits of SBA Lending

Lending through the SBA offers great benefits for down payments, repayment terms, flexible rate structure and more.

  • Lower down payments
  • Longer repayment terms (10 to 25 years)
  • Helps you build and maintain cash flow
  • One loan for many of your business needs
  • Flexible rate structures to help manage rate volatility (Quarterly variable, three- or five-year fixed)

Ready for SBA Financing?

Ready to talk about financing?

Schedule an appointment today with one of our FNB Small Business Finance Business Development Officers. Here are a few helpful items to prepare for an initial call:

  • Estimated project costs
  • Three years of tax returns, interim financial statements on target business and on existing business(es) — if applicable — including income statement(s), balance sheet(s) and debt schedule(s)
  • Three years of personal tax returns (of all partners owning 20-plus percent)
  • Personal Financial Statement (for all partners owning 20-plus percent)
  • For start-up businesses, please include a business plan and two years of projections with assumptions

Get Started

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Notices & Disclosures
  • NMLS #766529
  • SBA Lender
  • Some applications may require further consideration and additional information may be requested. Credit terms are subject to approval.
  • Normal credit standards apply. Maximum amount of credit is subject to SBA Program limitations.

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