Latest / Franchise Conversations with Fexingo: Buying, Running, and Scaling Franchise Businesses
How Franchisees Are Using Revenue-Based Financing
Episode 79 of Franchise Conversations with Fexingo. Lucas opens with a case: a three-unit sandwich franchisee in Austin who needed $350,000 for a fourth location but didn't qualify for a traditional SBA loan because personal debt ratios were too high. The solution? Revenue-based financing from a lender called Lighter Capital. Lucas and Luna break down how this alternative funding model works — repayments tied to monthly top-line revenue, not fixed principal schedules. They discuss typical rates (eight to fifteen percent of monthly revenue), effective APRs (often 20-30 percent, so not…
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