Latest / Franchise Conversations with Fexingo: Buying, Running, and Scaling Franchise Businesses
How Franchisees Are Using Insurance to Self-Fund Growth
Episode 28 of Franchise Conversations with Fexingo dives into an emerging trend: franchisees using insurance products — specifically captive insurance and finite risk programs — to build internal capital for expansion. Lucas and Luna explore how franchisees are shifting from traditional bank loans to insurance-based self-funding, citing the case of a multi-unit restaurant operator who saved over $200,000 in financing costs by restructuring premiums into a captive. They discuss the regulatory landscape, the role of the IRS Section 831(b) election, and why this strategy is gaining traction as…
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