Private Lending for Franchise Owners

At Innovate Funding, we specialise in private lending for franchise owners across Australia. We provide fast, flexible, and asset-backed finance options designed to help franchisees open new locations, renovate existing stores, or manage working capital. Whether you’re starting your first franchise or expanding your network, our lending solutions help you move quickly without the delays of traditional bank finance.

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Why Franchise Owners Choose Private Lending

Franchise owners often face unique financial challenges that traditional lenders struggle to support. These can include:

• Limited trading history for new franchisees

• Slow bank approval times delaying store openings

• Strict income verification requirements

• Cash flow strain from franchise fees and fit-out costs

• Limited funding options for multi-site operators

Private lending offers a more flexible approach, allowing franchise owners to secure funding based on asset strength and business potential rather than rigid bank criteria.

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How Private Lending Supports Franchise Growth

Our private lending solutions give franchise owners the ability to act fast when opportunities arise. At Innovate Funding, we focus on your assets, equity, and exit strategy, not your credit file or complex financial statements.

Our loans are tailored to help franchisees with:

• Fast approvals, typically within 24 to 48 hours

• Low-doc and no-doc lending options

• Business-purpose loans only (no consumer credit)

• Flexible short-term finance secured against residential or commercial property

We make funding simple, predictable, and responsive to your growth plans.

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Common Funding Scenarios

• Opening a new franchise location

• Purchasing an existing franchise business

• Upgrading or refurbishing premises

• Covering franchise fees and start-up costs

• Bridging finance between store openings

• Refinancing or consolidating short-term debt

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Loan Features and Eligibility

Loan Amount: $50,000 – $5,000,000+

Loan Term: 3 – 12 months

Loan Type: Business-purpose only

Security: Property or asset-backed

Approval Time: Within 24–48 hours

Documentation: Low-doc / No-doc options

Borrower Type: Companies, partnerships, or trusts

Locations: Australia-wide

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Why Choose Innovate Funding

• Fast settlements across all Australian states

• Access to over 50 private lenders nationwide

• Specialists in short-term, bridging, and business-purpose loans

• Transparent rates, fees, and flexible repayment options

• Proven experience funding Australian franchise groups and SME operators

Innovate Funding provides a streamlined and reliable lending process that allows you to focus on running and growing your franchise business.

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Scenario

A Queensland franchise owner required $400,000 to launch a second store under their existing brand. The bank declined the application due to limited trading history, despite significant property equity. Innovate Funding arranged a private loan within 48 hours, enabling construction and fit-out to begin immediately. The store opened six weeks ahead of schedule, increasing total group turnover by 30 percent.

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Enquire Today

Ready to take the next step?
Speak with our private-lending specialists today and discover how Innovate Funding can help your franchise business grow.

Enquire Now

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Ready to Apply

If you’re ready to move forward, you can start your application online. Our process is quick, simple, and transparent from start to finish.

Apply Now

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Frequently Asked Questions

What is private lending for franchise owners?
Private lending provides fast, asset-backed finance to help franchise owners open, expand, or renovate locations without lengthy bank processes.

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How quickly can I get approved?
Conditional approval is typically provided within 24 to 48 hours once property security and supporting information are received.

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Do you offer low-doc and no-doc options?
Yes, we provide both low-doc and no-doc loans for business and investment purposes.

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Can I use my property as security?
Yes, franchise loans are commonly secured against residential or commercial property owned by the borrower or a related entity.

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Related Pages

Private Lending for Small Business Owners

Private Lending for Café Owners
Private Lending for Restaurants and Pubs

Private Lending for Retail Businesses

Private Lending for Fitout Companies