Franchise Loans for Canadian Businesses

Launch or expand your franchise with fast, flexible financing — even if banks said no.

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What Is a Franchise Loan?

Start your franchise. Own your success from day one.
A franchise loan helps Canadian entrepreneurs fund the purchase or expansion of a branded business. Financing can cover franchise fees, build-out costs, leasehold improvements, signage, marketing, equipment, and working capital. Rather than draining your savings, you spread payments over time while preserving cash flow for day-to-day operations.

You can use a franchise loan to:
  • Purchase or expand a new or resale franchise
  • Fund construction, fit-outs, or renovations
  • Buy required equipment or vehicles
  • Cover startup marketing and inventory costs
Franchise financing bridges the gap between your startup investment and stable cash flow — giving you ownership within a proven model.

Franchise Loan Benefits

Own your business. Grow with a proven model.
Franchise financing empowers you to invest confidently in a business that already has brand recognition, training, and marketing systems in place.
Key advantages include:
  • Faster launch: Secure your franchise rights without large upfront cash
  • Flexible funding: Cover fees, construction, or equipment purchases
  • Stronger liquidity: Keep cash free for payroll, rent, and inventory
  • Predictable terms: Fixed monthly payments for easier budgeting

Why Choose Mehmi for Franchise Loans?

At Mehmi Financial Group, we specialize in fast, flexible franchise loans for Canadian entrepreneurs. Whether you’re opening your first location or expanding into new territories, our credit analysts help you secure the right funding structure — without giving up ownership or equity.

Our team understands the realities of launching and scaling a franchise, especially when traditional banks hesitate. That’s why we provide franchise financing solutions for both new and resale brands — with options designed for startups, low-credit applicants, and experienced multi-unit operators alike.

We’re trusted by franchisees, small business owners, and operators across Canada because we make franchise financing simple, transparent, and tailored to your business model and cash flow.
  • Support for new, resale, and multi-unit franchises
  • Access to 25+ franchise-friendly Canadian lenders
  • Flexible options for startups and lower credit scores
  • Canadian-based credit analysts who understand franchise systems
Finance Smarter — Franchise Loans Made Easy

Flexible franchise loan options that help you start or grow your business — without giving up ownership or control. Whether you’re buying into a new brand or expanding an existing one, we help you get approved quickly and keep your operations running smoothly.
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Borrow up to $5,000,000

Startup and resale franchises approved

Terms up to 72 months

Funds within 48 hours
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What You Can Finance with a Franchise Loan

We provide franchise financing solutions for Canadian entrepreneurs in every sector — from food service and fitness to retail and automotive. Whether you’re launching your first location or expanding into new territories, our franchise loans help you fund every stage of ownership.
  • Franchise Fees & Licensing: One-time costs to secure brand rights and training
  • Build-Out & Leasehold Improvements: Construction, signage, fixtures, and interior fit-out
  • Equipment & Technology: POS systems, kitchen gear, fitness machines, or service equipment
  • Marketing & Grand Opening Costs: Local advertising, launch campaigns, and franchise-required promotions
  • Working Capital: Payroll, supplies, utilities, and initial inventory
  • Multi-Unit Expansion: Financing for second or additional franchise locations
New or resale — we’ll help you secure the right funding for your brand and growth goals.

Who Qualifies for a Franchise Loan?

Franchise loans are available to entrepreneurs with a clear business plan and strong brand alignment. You may qualify if:

  • You’re purchasing or expanding an approved franchise brand
  • You have at least 3–6+ months of income or verifiable cash flow
  • You can provide a business plan and personal net worth statement

If you’re also financing vehicles or equipment, explore Equipment Loans. Need short-term liquidity for marketing or payroll? A Working Capital Loan may be combined with your franchise financing.

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Documents Required

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Articles of Incorporation
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Business Plan
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Credit Application
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Driver's License

3 Steps. No Surprises.

The Mehmi Financial Group experience is simple, quick, and customized to your financial needs.
1

Choose Your Franchise

Select a franchise brand or resale that fits your goals and territory. Gather the Franchise Disclosure Document (FDD) and brand requirements.
2

Get In Touch

Submit your financials, identification, and business plan. Our analysts build a tailored funding package aligned with franchisor standards.
3

Get Approved

Receive conditional approval in as little as 24–48 hours. Funds can be released once due diligence and documentation are complete.

Franchise Loan vs Business Loan vs Line of Credit: What’s Right for Your Business?

Feature Franchise Loan Business Loan Line of Credit
Use of Funds Franchise fees, build-out, marketing, staffing, equipment, and working capital General business needs like expansion, renovations, or refinancing Short-term cash flow gaps, payroll, inventory, or emergencies
Best For Launching or expanding a franchise with brand approval Established businesses with steady cash flow Businesses needing flexible, revolving credit
Repayment Terms Fixed monthly payments; typically 1–7 years Fixed or variable terms; up to 10 years Interest-only until drawn; repay and reuse as needed
Collateral May use business assets, personal guarantee, or franchise rights Secured or unsecured depending on credit strength May require collateral or strong credit
Approval Speed Fast approvals (24–48h possible with full documents) Moderate (bank and private lenders vary) Quick once credit line is established
Credit Requirements Flexible — franchise strength often supports approval Good personal and business credit preferred Strong credit and cash flow required
Ideal For New franchisees or multi-unit operators seeking growth capital Established businesses with expansion plans Seasonal businesses managing uneven revenue cycles

*All financing subject to lender review, credit approval, and applicable Canadian laws.

FAQ: Got Questions? We’re Straightforward.

Can I get a franchise loan with bad credit?

Yes — even with lower credit, you may qualify using a co-signer, collateral, or a strong franchise brand.

How much can I borrow for a franchise?

Amounts vary by lender, franchise type, and personal financials. Many lenders fund between $20,000 and $500,000+ depending on business plan strength.

Do you finance new or resale franchises?

Yes, both. Resales may qualify faster due to existing cash flow.

What down payment do I need?

Expect to contribute 10–30% of total project cost, depending on credit and brand.

How long does approval take?

Conditional decisions can occur within 24–48 hours once documents are received.

Do you fund multi-location expansions?

Yes. Multi-unit operators may access structured financing to expand over time.

Can first-time franchisees qualify?

Yes — provided there’s a strong brand, viable plan, and sufficient capital contribution.

Trusted by Businesses
Across Canada

24–48 hr approval
All credit types welcome
Serving Canada nationwide

Ready to Launch Your Franchise?

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