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Franchise Loans

Franchise Loan Specialistsin Canada

At First Choice Capital, we help aspiring franchisees and multi-unit operators in arranging the right small business franchise loan to start a new location, buy an existing business, or expand franchise locations across Canada—on terms that fit your cash flow and growth plans. 

All We Do is Franchise Financing– And We Do It Right!

  • Whether you’re expanding your brand as a Franchisor or a Franchisee looking to buy your first location or expanding, our team is ready to structure financing solutions for you. We’ve partnered with Canada’s leading franchise brands—including Wendy’s, McDonald’s, Esso, Mr. Lube, Royal Paan, Pet Valu, BarBurrito, Desi Bar & Grill, and many more—to deliver high loan-to-value financing backed by top Canadian banks.

We have arranged franchise loans for

What is a franchise loan?

A franchise loan provides capital to start, grow or buy an established franchised business. Funds can cover the initial franchise fee, build-out and leasehold improvements, equipment, inventory, working capital, or the purchase of an existing location. 

Depending on your needs, this may be structured as

Canadian Small Business Financing Loans (CSBFL)

Canadian Small Business Financing Loans (CSBFL)

Government backed small business loans for franchise brands with up to 85% government guarantee.

Conventional Term Loans

Conventional Term Loans

Bank loans for established operators & approved franchise brands.

Business Lines of Credit

Business Lines of Credit

Ongoing working capital for seasonal or day-to-day needs.

Equipment Financing

Equipment Financing

Preserve cash by spreading the cost of kitchen, POS, or manufacturing equipment.

Commercial Real Estate Loans

Commercial Real Estate Loans

Purchase, construct, or refinance the property housing your franchise.

Learn more

We have partnered with below banks to get you the best terms for franchise loans in Ontario & across Canada

Ex-Bankers Who Know HowFranchise Loans Work!

  • With years of banking experience, we understand exactly how lenders evaluate applications for franchise loans, what underwriters look for, and the steps needed to secure approval. We use this insider knowledge to help you navigate the loan process with confidence and improve your chances of getting funded.

What can franchise financing cover?

  • Initial franchise fees and transfer fees
  • Build-out, signage, furniture, fixtures & equipment
  • Leasehold improvements and tenant allowances
  • Real estate purchase or construction
  • Inventory and working capital
  • Acquisition of an existing franchised location or multi-unit package

What Documents are Usually Required for Franchise Loans?

  • Signed franchise agreement and/or FDD (Franchise Disclosure Document)
  • Business plan & Projections (We prepare business plans in house)
  • Personal financial statement and liquidity verification
  • Personal & business tax returns
  • Resumes of owners/key managers
  • Lease agreement or LOI (letter of intent) for the premises
  • Construction & Equipment quotes
  • For buying an existing franchised locations – Seller’s last two year of business financials

Why partner with First Choice Capital?

  • From launch to long-term growth, we deliver the tools and financing solutions franchisees need to succeed. By partnering with leading franchisors, we’ve developed programs tailored to the unique demands of franchise ownership. Our team provides clear guidance and franchise-focused funding strategies designed to help you open, operate, and scale with confidence.

Lender access

We work directly with major banks including RBC, CIBC, BDC, TD, Scotiabank & BMO. Most of the banks have approved Franchise programs with higher loan to values and lower preferred interest rates.

Full Service Approach

From pre-qualification to closing, we manage the process, anticipate underwriter questions, and keep your deal moving. In short, we handle the process entirely from collecting documents, underwriting & risk mitigation, to approval & closing.

Fastest Service in the Industry

From application to approval, we are a full service firm with a client-first mindset, grounded in transparency and ethical practices. Our goal: loan approvals in 4 weeks or less, and lines of credit in about 3 weeks.

Single point of contact

One dedicated small business loan specialist coordinates with Banks, Appraisers, Realtors, Franchisors and lawyers so you can focus on your actual growth plans.

Business Plans & Projections

We create in house business plans that banks & other lenders cannot resist. Our business plans are 30–50 pages, detailed with financial projections, and can be delivered in as little as 5–7 days.

Franchise Loan Experts

We understand how franchise financing works and guide you through every step, helping you secure your Canadian franchise loan quickly and efficiently.

Frequently asked questions

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Franchise Loans provide entrepreneurs with the financial support needed to start, expand, or manage a franchise business. These loans help cover franchise fees, equipment, inventory, and working capital requirements. With tailored repayment plans, franchise loans make it easier to enter established business models backed by brand recognition and proven systems. They reduce financial stress, improve cash flow, and allow franchise owners to focus on operations and long-term growth opportunities.