Often, yes. A lender funding a new independent business has only your plan to go on. With a franchise, they can also look at a model that already works elsewhere and at how other units in the network perform.
Why lenders can find franchises easier to fund
- A proven model: the brand, the systems and the costs are already tested.
- Network figures: lenders can compare your forecast with how similar units trade.
- Training and support from the franchisor.
- Bank franchise teams: some banks have specialist teams that know established brands. Some of these fund up to 70% of a franchise's approved costs.
The wider picture
In the bfa National Franchise Survey 2024, 89% of franchise units reported being profitable, and 82% of franchisees said they were satisfied with their franchise. These are network-wide averages, not a promise for any one brand or unit.
What doesn't change
- You're still assessed: your credit history, your experience and what you can afford. See Do I need industry experience to get franchise finance? and Can I get a franchise loan with bad credit?.
- Your plan still matters: lenders expect your own forecast, not just the franchisor's. See Does the franchisor's forecast replace my own business plan?.
- Not every brand is equal: a newer franchise with few units gives lenders less to go on. See How do I check a franchisor before I invest?.
Last reviewed: 8 October 2026