Speak to a Broker Now — 0432 634 648· Mon–Sat 9am–7pm

New · Resale · Multi-Site · Refit

Franchise Finance
Australia - New & Resale

Name: Mortgagefy
Address: Sydney, NSW, AU
Telephone: +61432634648
Price range: Free

By the Mortgagefy Team · Credit Rep 532656 of ACL 348324 · Published 2026-10-15 · Last reviewed 2026-10-15

Fund your franchise purchase - new system, existing franchise resale, multi-site expansion or refit. Specialist franchise lenders know the brands and the Franchise Agreement terms.

Start Your Free Assessment 0432 634 648

Free Business & Commercial Assessment

Takes under 3 minutes. We'll match you with the right lender for your situation.

Who this is for

Prospective franchisees buying a new franchise or an existing franchise resale, and existing franchisees expanding to a second site or refurbishing.

First-time franchisee buying a new franchise (greenfield)
Existing operator buying a franchise resale
Multi-site franchisee adding another location
Refit / renovation / brand-mandated upgrade
Franchisee buying out a partner
Co-franchisee buy-out and territory consolidation

The real challenge

Franchise finance is specialist - the lender needs to understand the franchise system (fees, royalties, exit terms), the specific brand's performance history, and the Franchise Agreement provisions that affect lender security. Specialist franchise lenders are typically pre-accredited to a list of franchise brands - McDonald's, 7-Eleven, Snap Fitness, Subway, Just Cuts, Mortgage Choice, etc. - and will fund new franchises at good LVRs with less documentation.

Non-accredited brands or small franchise systems get tougher treatment - typically treated as straight small business lending with full documentation and lower LVRs.

How Mortgagefy helps

Brand accreditation - we know which lenders are accredited to which franchise brands, saving you weeks of lender shopping.
Franchise Agreement review coordination with your franchise lawyer so the lender understands the specific terms.
Multi-site structures - different lenders prefer single-site vs multi-site operators; we match to the right one.
Resale valuations - existing franchise resales are typically funded 60-70% of agreed sale price for established, accredited brands.

Need to model repayments first? Try our Sydney home-loan calculators for an indicative figure.

How it works

Franchise scoping

Brand, new or resale, your industry experience, equity contribution available.

Lender match

Shortlist 2-3 lenders accredited to the brand (or that will consider non-accredited).

Documentation

Franchise Disclosure Document, Franchise Agreement, your financial position, business plan.

Settlement

2-6 weeks typical from term sheet to funding.

Get a personalised answer in 2 minutes

Free, no obligation. We'll match you with the right lender for your situation.

Frequently asked questions

How much can I borrow for a franchise?

For accredited major-brand franchises, typically 60-70% of total establishment cost (franchise fee + fit-out + equipment + working capital). Non-accredited brands typically 50-60%.

What's franchise lender accreditation?

Specialist franchise lenders pre-approve a list of franchise brands based on the brand's performance history, support structure and Franchise Agreement terms. Accredited brands get faster approval, higher LVR and lower pricing.

Can I finance a franchise resale?

Yes - resales of established franchise units are commonly financed at 60-70% of agreed sale price. The lender wants to see trading history (last 2 years) and remaining franchise agreement term.

What documents will I need?

Franchise Disclosure Document, Franchise Agreement (draft), business plan with 2-year financial projections, your personal tax returns, deposit evidence, resume showing relevant industry experience.

Does the franchisor need to approve the lender?

No - but the franchisor will want to see your financial capacity to operate the franchise. Some franchisors have preferred lender panels. We handle both the lender and the franchisor requirements.

What personal guarantees will I need to give?

For most franchise facilities, directors sign personal guarantees. The franchise agreement often requires personal guarantees for royalty and fee obligations separately - make sure your lawyer explains this before you sign.

Get your free franchise finance assessment

Brand-accredited lenders, new or resale, up to 70% LVR. We know the current appetite by franchise system.

Start Your Free Assessment Call 0432 634 648

Related guides

Business Acquisition Finance

The general acquisition category.

Business Loan to Buy Out a Partner

If buying out a co-franchisee.

Business Loans Sydney

Working capital for the new franchise.

Equipment Finance

Fit-out and equipment for the franchise.

Working Capital Loan

Post-settlement cash-flow smoothing.

Café & Restaurant Business Loan

Hospitality-sector franchise lending.

Information checked October 2026. This information is general in nature and does not take account of your personal objectives, financial situation or needs. Business, commercial and development finance eligibility, pricing and documentation varies by lender and changes frequently. Confirm current requirements with your chosen lender and seek professional advice before applying. Mortgagefy — Credit Representative 532656 of ACL 348324.

Franchise FinanceAustralia - New & Resale