How Franchisees Are Using Micro-Lending to Fund Growth

Franchise Conversations with Fexingo: Buying, Running, and Scaling Franchise Businesses · Jun 7, 2026 · 9m · transcript

Franchisees have traditionally relied on bank loans or SBA financing to open new locations. But in 2026, a growing number are turning to micro-lending platforms — small, short-term loans from non-bank lenders — to fund equipment upgrades, build-out costs, and even working capital for new units. Lucas and Luna examine why this trend is accelerating: banks have tightened small-business lending since 2025, and micro-lenders offer faster approvals and more flexible terms, albeit at higher interest rates. They look at a specific case: a franchisee in the quick-service segment who used three…