Franchisee Loans

Helping Australians Own & Expand Successful Businesses

Investing in a franchise is an exciting way to step into business ownership with an established brand, proven systems, and ongoing support. Whether you're launching your first franchise or expanding an existing operation, securing the right finance solution is crucial to ensuring long-term success.

At Evoke Capital, we specialise in tailored franchise loan solutions designed to help Australians purchase, grow, or refinance franchise businesses. Our expert brokers connect you with lenders that understand the unique requirements of franchise financing—helping you secure competitive funding without the headaches of traditional lending processes.

 

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What Can a Franchisee Loan Be Used For?

A franchisee loan can cover a range of business-related expenses, including:
 

 

Initial franchise purchase costs – Paying franchise fees to secure your business location

Fit-out and equipment – Setting up premises, machinery, technology, and stock

Working capital – Covering operational expenses, wages, and marketing strategies

Business expansion – Funding additional locations or upgrading existing stores

Refinancing – Adjusting repayment structures for better cash flow


 


Types of Franchisee Loans Available in Australia

Every franchise has unique financial requirements, and selecting the right loan structure is key to long-term success. At Evoke Capital, we help you navigate the best loan options to support your franchise ambitions.

 

Secured Franchise Loans​​​​​​

  • Requires collateral (e.g. property, assets, or business revenue)
  • Offers lower interest rates due to reduced risk
  • Ideal for large-scale franchise investments with high upfront costs

 

Unsecured Franchise Loans​​​​​

  • No collateral required, based on business revenue and financial stability.
  • Faster approval process with flexible repayment options.
  • Recognises the value you build in your business, and allows you to access it.


Equipment Finance​​​​​

  • Covers machinery, technology, and business fit-out costs.
  • Avoids large upfront payments by spreading costs over time.
  • Ideal for franchises needing restaurant equipment, signage, or specialist machinery.


Business Line of Credit​​​​​

  • Provides a revolving credit facility for managing cash flow fluctuations.
  • Useful for covering operational expenses, wages, and marketing campaigns.
  • Flexible repayment terms allow businesses to draw funds as needed.

 


Franchisee Loan Eligibility – What Lenders Look For

 

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While franchise businesses are often viewed more favourably than independent startups, lenders assess several factors when determining loan eligibility:

  • Franchise Brand Strength – Popular, well-established franchises often receive better lending terms.
  • Personal Financial Position – Credit history, income, and existing financial commitments.
  • Industry Performance – Growth trends within the franchise sector and market potential.
  • Franchise Agreement Review – Lenders assess franchise contracts for profitability and obligations.

 

We have access to 100+ Lenders

 

 

Our Franchisee Loan Specialists

You have everything to gain by giving our finance broker team a quick call. We have a wealth of experience and information and are here to help you on your wealth journey. Our discovery calls are free with no obligation.

 

Gavin CacicCredit & Operations

Gavin has spent 17 years with the Commonwealth Bank with over a decade spent managing commercial portolios across Perth and Sydney

Matt Spears Managing Director

Matt is an award-winning banker, broker and property investor who has worked in residential and commercial finance for over 15 years.