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.
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

Eligible franchise projects may qualify for financing under the CSBFP. The program shares eligible losses with lenders; it does not guarantee application approval or remove the borrower’s repayment obligations.

Bank loans for established operators & approved franchise brands.

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

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

Purchase, construct, or refinance the property housing your franchise.
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.
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.
Application timing depends on the project, lender review and completeness of the required documents. Contact us to discuss the steps involved and your preferred timeframe.
One dedicated small business loan specialist coordinates with Banks, Appraisers, Realtors, Franchisors and lawyers so you can focus on your actual growth plans.
Our business-plan service includes financial projections and information for lender review. Discuss the scope, required inputs and delivery timeline for your project before work begins.
We understand how franchise financing works and guide you through every step, helping you secure your Canadian franchise loan quickly and efficiently.
Often yes—especially with CSBFP loans and subject to total project costs and lender approval.
Not always but depends on the total net worth of the borrowing individual. Real estate ownership can improve terms and banks prefer it.
Plan for at least 20-30% of total project costs, plus initial operating cash and guarantees.
Strong franchisor training and hiring an experienced manager can help, but lender comfort varies by franchise brand.
Funding timing varies with the lender, required documents, appraisals, construction work and closing conditions. Discuss the project details and any deadline before relying on an estimated funding date.
Contact us to discuss financing for a new franchise location, an acquisition or an expansion.
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.
Related services: business plans and financial projections, restaurant loans, equipment financing, business lines of credit.