franchise

Franchise Financing

Strategic Financing That Powers the Franchise Industry

Developing or acquiring a franchise location is a chance to build something great. Navitas powers that journey with customized financing that launches brands, fuels expansion, and increases growth opportunities. Our comprehensive understanding of the franchise industry allows us to deliver financing that preserves cash flow, protects working capital, and turns growth projections into reality.

As a wholly owned subsidiary of United Community, we combine the agility of a specialized lender with the stability of a premier Southeast regional bank that’s supported customers since 1950. With Navitas, both franchisees and franchisors can unlock their full potential, achieve more, and grow stronger together.

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Franchise Industry Experts

Flexible financing across a broad spectrum of industries. We specialize in high-growth industries where equipment, technology, and buildouts are essential to success, including:

Franchise Storefront
New Store Development
Funding to open new franchise locations
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Loan Refinancing & Partner Buyouts
Refinance existing loans or buyout a partner
Store building blocks
Store Acquisition
Financing to acquire an existing franchise
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Equipment & Remodel Loans
Loans for renovations and new equipment

Flexible Franchise Financing

Navitas combines franchise know-how with financing solutions to help your brand succeed and expand. With the power of the Navitas conventional financing platform, you can make every new location an opportunity to strengthen your brand and inspire future franchisees. With affordable financing in your sales, price barriers are removed. Simply put, franchise financing opens the door for more opportunities.

When you give potential franchisees full project financing, you get more locations open faster. From equipment, technology, signage,  and construction costs, we can take on the entire franchise development, allowing you to sell more units and grow your brand faster while offering your customers an affordable path to ownership.

We partner with you to help grow your networks confidently, leveraging the strength of financing to enhance consistency, accelerate development, and drive system-wide success. We give franchisors the power to grow faster, energize franchisees, and make every new location a success, keeping your network strong, consistent, and competitive.

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Empower Franchisees to Succeed: Support your operators with flexible franchise financing that preserves cash flow while equipping them with the tools to drive revenue and performance.

Strengthen Your Brand Network: Ensure every location maintains consistent standards and technology, reinforcing your brand’s reputation across all units.

Attract More Franchisees: Turn your franchise into a turnkey opportunity with franchise financing that reduces entry barriers and makes it easier for candidates to invest.

Boost System Revenue: Finance upgrades, expansions, and refresh cycles, so your network can evolve, innovate, and stay competitive while keeping revenue flowing.

Why Choose Navitas

With Navitas franchise financing, you can:

Launch at Full Speed
Finance your complete startup package with project funding to open doors faster.

Stay Ahead of the Curve
Upgrade equipment and technology without large upfront costs.

Preserve Your Cash Flow
Spread investments into predictable monthly payments with flexible finance options.

Expand Your Reach
Add locations, services, or upgrades with financing aligned to your revenue stream.

Prompt Credit Decisions
Our process is simple and fast so you can apply in minutes, get approvals quickly, and keep your business in motion.

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Fueling Franchisee Success

For franchisees, growth is more than ambition; it’s about having the right resources to act quickly on opportunity. Navitas provides conventional (non-SBA) financing designed specifically for franchise operators who want to build new units or acquire existing locations.

Our conventional programs offer faster underwriting, competitive fixed rates, and require no personal collateral, allowing you to move your franchise forward without the lengthy approval process or personal asset pledges often required by SBA programs.

We work with a wide range of established brands across the restaurant, retail, fitness, beverage, and service industries, and we’re always expanding our approved brand list.

Financed amounts typically range from $250,000 to $5 million, ensuring flexible support for growing a multi-unit portfolio, including buildouts.

Running a franchise means balancing growth with cash flow and with Navitas as your Trusted Advisor, you have the power to expand without slowing down. We turbocharge financing to keep your capital free and your momentum strong.

Industry Insight

According to the International Franchise Association, the franchise sector is expected to create

210,000+ jobs by 2027,

and many of these new or expanding franchisees will likely rely on equipment financing to build out or upgrade their franchise locations.

Achieve More Together

With Navitas, you get more than financing. You get a partner committed to your success.

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FAQs

Franchise financing can support multiple growth scenarios, including new store development, store acquisition, loan refinancing, partner buyouts, and equipment and remodel loans. Financing can be structured to help open new locations, acquire an existing franchise, refinance existing debt, or fund renovations and new equipment. Options are designed to preserve cash flow and protect working capital while supporting expansion.

Franchise financing can be used for full project financing, so a new location can launch faster. Bundled financing can include equipment, technology, signage, and construction costs as part of the overall development. By providing an affordable path to ownership for operators, full project financing removes price barriers and helps more locations open sooner while keeping cash flow strong and credit lines open available for other business needs.

The conventional (non-SBA) program is designed for franchise operators who want to build new units or acquire existing locations without a lengthy SBA process. It offers faster underwriting, competitive fixed rates, and requires no personal collateral. This structure helps franchisees move forward without personal asset pledges required by SBA programs, while still supporting growth and buildout needs.

Financed amounts typically range from $250,000 to $5 million, providing flexible support for growing a multi-unit portfolio, including buildouts. Franchisees can use financing to open new units, acquire existing locations, upgrade equipment and technology, and invest in remodels. The goal is to help balance growth with cash flow using predictable monthly payments aligned with business revenue goals.

Franchise financing supports established brands across multiple industries, including restaurant, retail, fitness, beverage, and service businesses. The approved brand list is continually expanding, and financing is designed to help maintain consistent standards and technology across locations. Our franchise financing solutions strengthen brand reputation across units while making it easier for franchise businesses to invest and grow.