Access funding at favorable rates from our network of lenders

Access the largest lending network specializing in franchise and small business loans to maximize your chances of receiving funding for your investment.

Trusted by some of the biggest names in franchising


Why access funding through Vetted Biz?

Data-driven organizations team up

Data is at the heart of what we do. We have partnered with Lumos Technologies, the market leader in supplying data analytics and advisory services to small business lenders.

Lenders gather data to speed up approvals

Together, we have gathered a network of the largest franchise-focused lenders in the U.S. with franchise data that streamlines the approval process for franchises and enables more potential franchisees and borrowers to gain access to funding.

More data helps lenders make better decisions

With more data on franchise and industry performance in the hands of these lenders, the lenders are able to reduce the risk of their franchise loans, thereby potentially enabling more borrowers to access loans at better rates.


An exciting franchise investment is at your fingertips, yet the finances are just out of reach.

Investing in a franchise is no small feat, especially when the necessary funds are elusive. Many budding franchise owners face the disheartening experience of bank loan rejections.

Feeling cornered?

At Vetted Biz, we're committed to supporting you. We provide an array of financing solutions tailored to launch your franchise business successfully. We know the challenges of navigating bank bureaucracies, so we're here to present efficient, hassle-free alternatives.

What types of loans are available?

The most common loans for franchise investments are SBA loans and conventional loans.
See how they are different below:

SBA Loans

Overview: The main business loan program of the SBA, known as the 7(a) Loan Program, extends loan guarantees to lenders, enabling them to offer financial assistance to small businesses with specific needs.

Use cases:

  • Franchise start-up costs
  • Equipment purchases
  • Leasehold improvements
  • Real estate purchases
  • Working capital
  • Refinancing existing debt
  • Expanding or modernizing
  • Acquiring an existing franchise
  • Line of credit
  • New construction
  • Additional use cases not listed

Loan amounts: Up to $5 million with terms up to 25 years with fixed and floating interest rates.

Interest rates: Both fixed and variable interest rates are available, contingent upon the lender's policies and the borrower's credit profile.

Loan amount

Corresponding interest rates

$50,000 or less

Variable Max Rate of Prime + 6.5%

$50,001 to $250,000

Variable Max Rate of Prime + 6.0%

$250,001 to $350,000

Variable Max Rate of Prime + 4.5%

Greater than $350,000

Variable Max Rate of Prime + 3.0%

Conventional Loans

Overview: Conventional business loans are designed to provide flexible terms paired with competitive rates. They cater to a range of financial needs, from start-up financing to real estate acquisition. A distinct advantage of these loans is their ability to close faster than their SBA counterparts. However, it's essential to note that, unlike government-guaranteed SBA loans, conventional loans place the entire default risk on the lender. This often results in stricter credit and collateral prerequisites.

Use cases:

  • Working capital enhancement
  • Refinancing of existing business debt
  • Acquisition, refinancing, or improvement of real estate assets
  • Machinery and equipment procurement and installation
  • Furniture, fixtures, and supplies purchasing
  • Taking over an existing franchise

Typical loan amounts: Loan amounts can go up to $5 million with tenures stretching to 25 years.

Interest rates: Both fixed and variable interest rates are available, contingent upon the lender's policies and the borrower's credit profile.

Conventional Business Line of Credit

Overview: A versatile financing solution, the conventional business line of credit offers businesses the liberty to draw funds up to an agreed limit on an as-needed basis. Only the utilized amount incurs interest.

Use cases:

  • Addressing transient cash flow challenges
  • Catering to seasonal business requirements
  • Managing unexpected business-related expenses

Higher Approval Rate With Our Lenders

We have a network of preferred lending partners who will secure your funding, so you can get started quickly.

The Small Business Administration (SBA) has a number of financial programs for small businesses, like the commonly used 7(a) Loan Program, but the process to get your funding in place can be confusing. These funds can be used for anything from construction of a new building to stocking inventory.


Proven Success in the SBA Loan Industry

With a large and expanding network of lenders, you will have choices when it comes to selecting a loan. You’ll also have access to our dedicated staff — experts in loans for businesses — to ensure the fastest possible application processing, including a dedicated loan closer to assist with the closing process.

Benefits of SBA Loans through Vetted Biz

Loans secured in all 50 States
Revolving lines of credit and fully amortizing term loans with no balloon payments
Minimal equity injection required with up to 90% lender financing
Expertise with emerging brands, mature brands, single location, multi-unit expansion and re-sales
Fixed or floating interest rates available
FREE pre-qualification with funding on average within 60 days
No early repayment penalty for loans under 15 year maturities
Preferred SBA lenders offer competitive rates and faster approval, typically with lower payments and extended repayment terms, bypassing SBA processing for a quicker response.
Loan amounts up to $5 million with terms up to 25 years

SBA 7(a) and Express Loans Program

The Small Business Administration’s (SBA) most popular business loan program for small businesses looking for a loan that has flexible terms and competitive rates that can be used for start-up financing, business acquisitions, refinancing, real estate purchases, and more.

Use Cases:
Acquiring an existing franchise
Acquiring, refinancing, or improving real estate
Purchasing and installing machinery and equipment
Refinancing current business debt
Purchasing furniture, fixtures and supplies
Working capital
Eligibility Requirements:
May need to provide collateral
Three years of tax returns
Written business plan
Usually 20% to 30% down
Personal financial statement
Updated personal resume

SBA 504 Loan Program

The SBA 504 Loan Program provides long-term, fixed rate financing that promotes business growth and job creation. Uses of 504 loans include buying commercial real estate, financing improvements within that real estate and purchasing large equipment.

Loan Terms:
Low down payment (typically 10%) conserves your cash
Terms up to 25 years
Fixed below-market interest rates
Loan amounts up to $5,000,000 per project
Eligibility Requirements:
Operate a for-profit small business in the U.S.
Three years of tax returns
Personal financial statement
May need to provide collateral
Down payment of as little as 10%
Business plan and personal resume

Three easy steps to take to get started on the road to business financing.

Complete the Assessment

The first step in securing business funding is to complete our quick and easy assessment. This will give us a better understanding of your current financial picture and needs, allowing us to match you with the right loan solution for your unique situation.

Apply for Funding

After reviewing your financial requirements, we pair you with the most suitable loan options. Regardless of your financial background, rest assured that we are committed to identifying the perfect funding strategy to match your goals.

Secure Your Loan & Grow Your Business

Once you have been approved for a loan, all that's left to do is get the money you need and start building your business! With our help, you will have the funding you need to take your business to the next level!

Business funding made easy - spend less time waiting to get funded.

Applying for traditional bank or SBA loans can feel like navigating a maze – endless paperwork, prolonged waits, and uncertain outcomes. And even if you triumph, you might be left with less-than-ideal terms.

Enter Vetted Biz. We are revolutionizing the small business lending landscape. Through our cutting-edge data-driven technology, we enable your loan request to be reviewed by multiple loan providers, bypassing the bureaucratic tape of conventional banks and increasing the chances of you getting funded. Our seasoned experts, with their finger on the pulse of the industry, are committed to championing the best terms for you. Let's supercharge your business ambitions today!

Frequently asked

Have some doubts? See the most frequently
asked questions

SBA loans can be used for any of the below use cases:
• Franchise start-up costs
• Equipment purchases
• Leasehold improvements
• Real estate purchases
• Working capital
• Refinancing existing debt
• Expanding or modernizing
• Acquiring an existing franchise
• Line of credit
• New construction
• Additional use cases not listed

$100,000 – $500,000

All owners of 20% or more of the borrowing entity are required by the SBA to guaranty the loan.

The loan term is between 10-25 years.

SBA’s minimum injection is 10% but start-ups, based on their higher risk, normally require a minimum of 20% or more.

Rates are based on the Wall Street Journal Prime rate plus a margin of up to 2.75% .

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