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Franchise Lending Solutions

For your first location or 20th, we can help.

First National Bank Small Business Finance can help franchisees acquire the funding and working capital they need to be successful. Whether you are opening a new franchise location or adding additional locations, we can develop a financing program based on your specific needs and budget to get you started.

Buy Into Success

We have financing options available to fund your first location and beyond. Whether you are buying one or more existing franchise locations or starting from the ground up, our Small Business Finance Team can develop a financing program help meet your objectives.

To be eligible for SBA financing, the franchise concept must be approved by SBA and listed on the SBA Franchise Directory.Redirect icon

View SBA Directory

Franchise Lending Solutions

For established franchise concepts or startups:

  • Established franchise concepts (5+ years franchising, 20+ locations open)
  • Startup (1st location for franchisee)
  • 85% financing of startup costs including franchise fee, leasehold improvements, furniture, fixtures, equipment, working capital, closing costs and SBA fee
  • 90% financing for real estate if included in the project
  • Loan term 10-25 years fully amortizing

For franchise expansion:

  • For 2nd or more locations of an existing franchise
  • 90% financing of startup costs including franchise fee, leasehold improvements, furniture, fixtures, equipment, working capital, closing costs and SBA fee
  • 90% financing for real estate if included in the project
  • Loan term 10-25 years fully amortizing

Acquisition of existing franchise location

  • 90% financing of acquisition costs including business acquisition, franchise transfer fee, working capital, closing costs and SBA fee
  • 90% financing of real estate if included in the project
  • Loan term 10-25 years fully amortizing

The Loan Process

1. Set up time to talk with us

Schedule time online to meet with one of our Business Development Officers (BDO)

2. Gather Information

During our discussion, we will request information about you, your business, and your project.

3. Proposal Letter

Next, we'll provide a Proposal Letter explaining the proposed structure of your loan, the rate, terms, and number of years.

4. Complete the application

Your BDO will help you complete the application for submission to credit underwriting.

5. Underwriting & Approval

Once you've submitted your application we take it from there. Our goal is formal approval within 10 business days.

6. Closing the Loan

A loan closer will be assigned to you to help coordinate your closing.

7. Funding

Depending on how your loan has been structured, disbursement can be made one time or as multiple disbursements.

Get Started Today

Success Stories

First National Bank Small Business Finance has provided SBA Loan assistance for a host of business entities with a broad range of financial needs. Here are some examples of businesses we have recently assisted in realizing their goals.

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Talk to a member of our Small Business Finance Team

Talk to an Expert
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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