There's no single rule. Lenders usually expect you to put in some of your own money. How much depends on the brand, the costs, your experience and the security available.
What lenders often look for
Some bank franchise teams fund up to 70% of the approved costs of a franchise. That means you'd provide the rest yourself. Newer or less proven brands may need a bigger contribution.
What decides your figure
- The brand: an established franchise with a proven track record is usually seen as lower risk.
- The total cost: see What does a franchise cost in total?.
- Your experience and your personal finances.
- Security: what you can offer, if anything.
- The route: a Start Up Loan doesn't require security or a set contribution, but you must pass its credit and affordability checks. See Can I use a Start Up Loan for a franchise?.
If you have little to put in
Tell us what you can contribute, even if it's nothing yet, and we'll explain what that means for your options.
Don't stretch too far
A business that starts with too little cash has little room if it takes longer than planned to make money. Keep enough for working capital and your own living costs. See Can franchise finance cover the franchise fee and working capital?.
Last reviewed: 8 October 2026