Commercial Loan Quidelines

Franchisee Credit Guidelines

For first time franchisees, we typically will finance up to 80% of the initial capital costs, which includes equipment, FF&E, leasehold improvements, signage, and the franchise fee when all other factors meet or exceed credit requirements. No outside collateral is needed.  The interest rates are fixed for the entire term of the loan, which is up to 84 months.

For existing franchisees wanting to expand, we are skilled at finding ways to leverage your success in you existing locations.  This helps provide the funds for expansion, many times up to 100% of the entire project, without the need for outside collateral.

We offer franchise programs for:

• New Franchisees
• Existing Franchisees Opening New Stores
• Existing Franchisees Remodeling or Updating Equipment
• Acquisitions
• Multi-Unit Development
• Refinancing of Existing Stores

Franchisor Qualifications

InSource Capital Services currently works with a variety of national and regional franchisors.  We are always interested in establishing relationships with additional franchisors to offer financing products to their franchisees.

In working with a new franchise concept, we begin by reviewing the current UFOC.  We look at a number of factors, including the franchisor’s established history in their particular sector, number of locations, franchisee relations, fees involved, amount of financing required, and the financial position of the franchisor.  Of primary interest to us are those franchises that have a minimum of 40 locations for regional franchisors and 150 locations for nationwide franchisors.

[ Commercial Loan Qualification ]