Latest / Franchise Conversations with Fexingo: Buying, Running, and Scaling Franchise Businesses
Franchisees Are Using Peer-to-Peer Lending for Growth
In this episode, Lucas and Luna explore how franchisees are bypassing traditional bank loans by tapping into peer-to-peer lending platforms. With a specific focus on a multi-unit franchisee in the home-services space who raised $1.2 million through a P2P platform at an average interest rate of 9.8 percent — versus the 14 percent he was quoted by a regional bank — the hosts break down the mechanics, the risks, and why this model is gaining traction in 2026. They discuss how platforms like Funding Circle and LendingClub have added franchise-specific underwriting criteria, and why some…
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