Latest / Franchise Conversations with Fexingo: Buying, Running, and Scaling Franchise Businesses
Franchise Financing Options Beyond the SBA Loan
Lucas and Luna dig into the real-world financing strategies franchisees use beyond the standard SBA 7(a) loan. They walk through the numbers on a recent 15-unit Jimmy John's deal funded with a combination of seller financing, an equipment lease line, and a minority equity partner. Then they contrast it with a single-unit franchisee who used a 401(k) rollover — the 'ROBS' structure — and the hidden costs there. The conversation covers interest rate spreads, typical loan-to-value ratios, and why multi-unit operators often use a holding company to separate real estate from…
The skinny
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