Franchise equipment financing for new and used equipment
Equipment is often the biggest line item after the build-out. Equipment financing uses the equipment itself as collateral, with repayment terms generally aligned to how long the equipment is expected to last. These deals can often move faster than larger SBA loans.
What can be financed
- Kitchen and food-service equipment
- Fitness and wellness equipment
- Vehicles and service equipment
- Point-of-sale systems, signage, and technology
- New or used equipment, depending on the lender
Equipment loan or SBA loan?
If equipment is part of a larger project, it is commonly rolled into an SBA 7(a) loan together with build-out and working capital. If you only need equipment, a standalone equipment loan can be simpler and quicker. We help you weigh the two based on your timeline and total need.
What lenders review
- An equipment quote or invoice
- Business and personal financial statements
- Tax returns and recent credit history
- Time in business or franchise experience
Frequently asked questions
- How fast can franchise equipment financing close?
- Equipment and working capital deals can often close in days to a couple of weeks, which is generally faster than SBA-funded deals. Timing depends on the lender and how complete your file is.
- Can I finance used equipment?
- Some lenders finance used equipment and others focus on new. We match you to lenders that fit what you are buying.
More answers on our full FAQ, or see how the process works.
Related financing
SBA franchise loans
How SBA 7(a) franchise loans work, what lenders look for, and how a franchise loan broker matches you with lenders that fund your brand. One application.
Multi-unit franchise financing
Financing for multi-unit franchise operators and area developers. How lenders evaluate existing units and global cash flow, and how to fund your next locations.
Franchise refinance & debt consolidation
Refinance or consolidate franchise and business debt into one facility to improve cash flow. What lenders look for and how we match your file to the right lenders.
Branch Capital Group is a loan brokerage, not a lender. It does not make credit decisions or set loan terms; those come from the funding lender. Information on this page is general and educational, and program rules and lender requirements change.