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Call us: 855-718-3274

FRANCHISE BUSINESS LOANS

Fast Funding Built for Franchise Owners

Royalty payments, brand-mandated upgrades, and staffing that has to be in place before a new unit opens make franchise financing different from a standard business loan. Dash Capital funds working capital, equipment, and expansion costs in as little as 24 to 48 hours, so a growth opportunity never has to wait on a bank’s timeline.
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5 Out of 5

72 Reviews
Built For Franchisees

Financing That Matches How A Franchise Actually Operates

Franchise locations carry costs an independent business does not: ongoing royalties, brand-mandated equipment and technology standards, and marketing fund contributions that continue regardless of a slow month.

Dash Capital underwrites franchise business loans around your location’s deposit history and cash flow, not a rigid credit cutoff, so a strong quarter carries more weight than one slow season. Whether you’re opening a new unit or bridging cash flow between locations, our working capital loans are built to move at the speed a multi-unit operator actually needs.
  • No minimum credit score for working capital
  • Funding in 24 to 48 hours
  • Use funds for staffing, equipment, or new units
  • Access to 100 lenders, not one offer
  • No upfront fees to apply
  • Terms built around multi-unit cash flow
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Financing Options

Three Ways Franchisees Fund Growth With Dash Capital

Every franchise operator’s capital need looks different depending on unit count and growth stage.

Here’s how our core products map to the most common reasons franchisees come to us.

Working Capital

Fast cash for payroll, royalties, and inventory across locations.

Term Loan

Fixed-rate financing for a remodel, new equipment, or an additional unit.

Line of Credit

Draw funds as one location dips, repay as revenue evens out.
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The Franchise Reality

Why Franchise Financing Looks Different From Other Small Business Loans

A franchise comes with a proven playbook, but it also comes with fixed obligations an independent business does not carry.

Royalty fees, marketing fund contributions, and brand-mandated equipment or technology upgrades continue whether a location is having a strong month or a slow one. Franchisors themselves are lending less directly in 2026, which means more owners are financing growth and operations through outside lenders. Dash Capital’s working capital loans exist specifically to help cover that gap.
  • Royalties and marketing fees run every month
  • Brand standards can require unplanned upgrades
  • New units need staffing before they open
  • Multi-unit deposit history builds a stronger file
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How to Get a Working Capital Loan

How We Underwrite

Approved On Cash Flow, Not Just Brand Approval

Traditional franchise lenders spend weeks reviewing franchise disclosure documents, unit-level financials, and your experience as an operator before issuing a term sheet.

Dash Capital reviews your last four months of bank statements and deposit history instead, which means a location with strong, consistent revenue can qualify quickly regardless of brand. Read our guide on what credit score you need for a small business loan to see how this compares to a traditional bank or SBA application.
  • 4 months of bank statements, not a full FDD review
  • Deposit history weighed over credit score
  • No hard credit pull for working capital
  • Consolidation options if you carry existing advances
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Real Franchise Owners

Trusted By Franchise Operators Across Michigan

A 4.9 out of 5 rating built one funded location at a time.

I needed financing quickly! Dash Capital was able to funds in my account within one business day. Made it simple and easy with minimal documents. I will surely be using Dash Capital again.

Grace Hall

I would recommend everyone to apply for business loan at DashCapital, the process was easy with low rate interest highly recommended to every small or big business owner.

Tyler Wood

The best thing I like about Dash Capital, is the quick response. I run multiple businesses and don’t have time to spend on the phone or at a bank. For this reason, I’m a loyal returning client with them.

Jill Sanders

I had a great experience working with Mike who was my business associate and helped me greatly with my loan and really understood my situation and what my company needed. He provided me with the right solution and loan to help push my company to the next level. I recommend anyone looking for a loan to work with Dash Capital because they work with you.

Tareq N

Excellent Service!! They were fast and gave me options of different financing products I qualified for.. Didn’t guide me towards just one product like the other companies did. Extremely happy I chose Dash! Thanks Phil!

RUSS

Dash Capital is a life saver! Received a 5 year monthly term at a great rate!

Caleb

I had worked with Dash Capital 3 times now and I can tell you, I’d highly recommend Dash Capital to anyone who is looking for financing for their business. Professional, smooth process every single time.

David H

Get Franchise Funding In 3 Simple Steps

Apply Online

Share your last 4 months of bank statements and basic business details. Takes about 4 minutes.

Get Matched

A funding advisor reviews your file against our 100 lender panel and calls you with real options, often same day.

Get Funded

Accept your offer and receive funds directly in your business account within 24 to 48 hours.

What Sets Us Apart

Financing Built Around A Franchise's Real Numbers

Know Your Numbers First

Check our guide on how much you can borrow before you apply.

No Minimum Credit Score

Working capital approvals are based on cash flow, not a hard credit cutoff.

Same-Day Decisions

Most applications get a real answer from a funding advisor the same day they're submitted.

$10,000 to $500,000

Loan sizes scale from a single remodel to a full new-unit buildout.

Built Around Multi-Unit Cash Flow

Repayment terms account for the ramp-up period of a new location instead of ignoring it.

Minimal Paperwork

Four months of bank statements, a signed application, and a voided check. That's it.

Dash Capital offers working capital loans for payroll, royalties, and day-to-day expenses, fixed-rate term loans for remodels and new units, revolving lines of credit for cash flow gaps between locations, and SBA-backed term loans for owners who qualify for government-supported rates on a new unit or acquisition.

Rather than pushing every applicant toward one product, we match your franchise’s growth stage and cash flow pattern to whichever option fits, drawing from a panel of more than 100 lenders instead of a single credit box.

Most working capital applications get a decision the same day they’re submitted, with funds landing in your account within 24 to 48 hours of approval.

SBA loans and larger buildout financing take longer, typically several weeks, since they involve more documentation and a formal underwriting review. If a brand-mandated upgrade has a deadline or payroll is due for a new unit, working capital is almost always the faster path. See our guide to how long business loan approval takes for a full breakdown by product type.

There is no minimum credit score requirement for working capital. We underwrite primarily on your business bank deposits and cash flow, which means a franchise location coming off a slow month can still qualify if the deposit history supports it.

SBA financing does involve a credit check, since it follows federal guidelines, but our working capital and line of credit products do not require a hard pull. Read what credit score you need for a small business loan for the full picture across loan types.

SBA 7(a) financing is the most common route for franchise fees, since it can cover the fee alongside build-out and working capital in one transaction, though it requires more documentation and a longer approval timeline than working capital.

For existing franchisees adding a unit, a Dash Capital working capital loan or line of credit is often used to bridge staffing and pre-opening costs while a larger SBA package is finalized.

Loan amounts typically range from $10,000 for a smaller equipment update up to $500,000 or more for multi-unit operators with strong, consistent deposit volume across locations.

The amount you qualify for is based mainly on your average monthly revenue rather than brand name alone, so a single-unit franchisee and a multi-unit operator are evaluated on the same cash flow standard. Our guide on how much a small business can borrow walks through how lenders calculate that number.

Applying takes about four minutes and requires your last four months of business bank statements, a signed application, and a voided check or bank letter.

SBA financing requires additional paperwork, including tax returns, your franchise agreement, and a completed SBA application package. For a full walkthrough of the process from application to funded account, see our step-by-step guide to getting a working capital loan.

Yes. Multi-unit operators often have one location performing better than another, and our underwriting looks at your overall deposit history rather than penalizing a single slow location.

If your franchise already carries a merchant cash advance or another loan, we specialize in second-position offers and consolidations when there is still enough cash flow to support new financing responsibly.

A term loan provides one lump sum with fixed monthly payments, best suited to a defined project like a required remodel or a new unit buildout. A line of credit is revolving, meaning you draw only what you need when one location dips and repay as revenue evens out across your portfolio. Working capital loans sit in between, offering fast, flexible funding for near-term needs like payroll or royalties without the longer approval timeline of a term loan.

Most of our products require at least one year in business at your current location, since lenders want to see a proven deposit history before extending capital. Experienced multi-unit operators and first-time franchisees with a year of operating history are both evaluated on the same standard.

Brand-new locations with no operating history are the hardest to place, though our guide for first-time business loan applicants covers what to prepare while you build that history.

Bank and franchisor-preferred lending programs typically require years of financials, a full franchise disclosure document review, and weeks of underwriting, timelines that do not match a growth window or an urgent staffing need. Other online lenders often push every applicant toward the same product regardless of fit.

Dash Capital combines fast, cash-flow-based underwriting with access to more than 100 lenders, a dedicated funding advisor, and same-day answers instead of automated form rejections. Our guide to how a business loan works breaks down that comparison in more depth.

Franchise Loan FAQs

Answers franchise owners ask before applying for financing.
Ready When You Are

Get Your Franchise Funded

Apply in minutes and let a funding advisor who understands multi-unit operations find the right fit from our 100 lender panel.

Fast Decisions

Most applications get an answer the same day.

No Hard Pull

Working capital approvals skip the hard credit check.

Real Advisors

A dedicated advisor guides you from application to funded account.

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