Independent reference built on public SBA FOIA loan data. Not affiliated with the U.S. Small Business Administration.

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Franchise financing calculator

Buying a franchise? Enter the total investment to see what you'd finance with an SBA loan, the equity you'd put in, and the monthly payment.

Enter the brand’s total investment (its FDD Item 7 range: franchise fee, build-out, equipment, and opening working capital). The SBA generally wants at least 10% equity for a new franchise. 7(a) loans cover the fee, build-out, equipment, and working capital; owner-occupied real estate is usually a 504 loan. Rate is an estimate. Use your quoted rate for an exact figure.

SBA loan you’d need
$315,000
Your equity (down payment)
$35,000
Est. monthly payment
$4,119
Total cost over term
$494,312
How to use it. The total investment is the franchise's all-in cost. Find the range in the brand's Franchise Disclosure Document (Item 7). The rate is pre-filled from today's prime (6.75%) plus a typical 7(a) spread; enter your quoted rate for an exact figure. This estimates the loan and payment, not a loan offer. A lender sizes the loan on your cash flow and credit.
Franchise financing data by brand Find a franchise lender Full payment + amortization Franchise financing report