You don't need everything before you talk to us. This is what a lender will usually ask for.
Everyone
- the franchise agreement or disclosure pack
- the franchisor's cost breakdown and forecast
- your own business plan and cash flow forecast. See Does the franchisor's forecast replace my own business plan?.
- proof of identity and address
- a short summary of your experience
- where your own contribution will come from
If you're buying a resale
- the business's recent accounts
If you're expanding
- how your current units are trading
Lenders may also ask for
- personal bank statements, and a statement of your assets, liabilities and household spending
- information about the franchisor, such as its accounts and how its network is performing
For a Start Up Loan
The scheme has its own document list, including a personal survival budget. See What documents do I need?
Last reviewed: 8 October 2026