Yes. A Start Up Loan can sit alongside other finance for a franchise, such as a business loan or asset finance. It can also form part of the money you put in yourself.
How people combine them
- A Start Up Loan plus a business loan: the Start Up Loan covers part of the cost, and a business lender funds the rest.
- A Start Up Loan as part of your contribution: some lenders accept it as part of the money you put in.
- A Start Up Loan plus asset finance: a van or equipment funded separately, secured on the asset. See How do I finance a van or equipment for a franchise?.
- More than one owner: up to four eligible owners can each apply for a Start Up Loan, up to £100,000 per business. See What if I need more than £25,000 for a franchise?.
What lenders look at
- Total repayments: every lender sees the Start Up Loan as a debt you must repay, and checks you can afford all your repayments together.
- Your own money: some lenders want part of the contribution to come from your own savings. See Can my franchise contribution come from borrowing or family?.
- Disclosure: tell every lender about all your borrowing.
Remember
A Start Up Loan is a personal loan. You repay it personally, whatever happens to the business.
How we help
We look at the full cost with you and explain which mix of routes could fit. See How do I finance a franchise?.
Last reviewed: 8 October 2026