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. 

Support for Your Franchise Financing Application

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

Canada Small Business Financing Program (CSBFP)

Canada Small Business Financing Program (CSBFP)

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.

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.

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!

What can franchise financing cover?

What Documents are Usually Required for Franchise Loans?

Why partner with First Choice Capital?

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.

Application Preparation and Coordination

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.

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

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.

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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Contact us today!

Contact us to discuss financing for a new franchise location, an acquisition or an expansion.

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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.

Related services: business plans and financial projections, restaurant loans, equipment financing, business lines of credit.