Franchise financing simplified – access the funding you need

Explore the best financing solutions tailored to your franchise investment goals. Access the largest lending network specializing in franchise and small business loans to maximize your chances of receiving funding for your investment.

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Explore SBA loans and ROBS 401k financing options with ease
Get tailored financing recommendations based on your investment goals
Compare loan terms and interest rates from top lenders

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

Applying for traditional bank, SBA loans, or 401(k) 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.

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Join 4,000+ companies already growing

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Benefits finding financing via Vetted Biz

Why choose Vetted Biz for your franchise financing needs?

Finding the right financing for your franchise investment doesn’t have to be complicated. With Vetted Biz, you can explore top financing options, compare rates, and secure the funding you need—all in one place.

Access multiple financing options in one place
Explore top SBA lenders and alternative financing options like ROBS 401(k), perfect for individuals who don’t qualify for or prefer not to use an SBA loan.
Speed up the financing approval process
Along with our partners 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.
Choose the best financing option for you
Find the financing that best suits your franchise investment, whether you're seeking the lowest rate, fastest approval, or most flexible terms.
Business funding made easy - spend less time waiting to get funded.
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Features

Unlock the best financing options for your franchise

From SBA loans to ROBS 401(k), access the financing solutions that suit your investment goals and help you grow your franchise with confidence.

SBA and conventional loans

Vetted Biz you with the top SBA and conventional lender options, giving you access to low-interest loans designed specifically for franchise investment.

Low-Interest Rates: Benefit from government-backed SBA loans with some of the most competitive rates in the market.
Pre-Screened Lenders: Work with pre-vetted SBA and conventional lenders who understand the franchise industry and are dedicated to quick approvals.
Support for New and Existing Franchises: Financing options available for both first-time franchisees and those looking to expand.
SBA and conventional loans

ROBS 401(k) (Rollover as Business Startups)

Unlock your retirement savings to finance your franchise investment—without penalties or taxes—using a ROBS 401(k) plan.

Tax-Deferred Funding: Use your 401(k) or IRA to finance your franchise without early withdrawal penalties or taxes.
Great for Non-SBA Qualified Individuals: Perfect for those who don’t qualify for SBA loans or prefer alternative financing options.
Legal and Compliant: Vetted Biz connects you with a team of experts who specialize in ROBS, ensuring your setup is fully compliant with IRS regulations.
ROBS 401(k) (Rollover as Business Startups)
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Why choose Vetted Biz

Why choose Vetted Biz for your franchise financing?

Led by brothers Patrick and Jack Findaro, Vetted Biz was born from a decade of franchise experience and a passion for transparency. We’re here to help you make smarter franchise investments, backed by data, transparency, and a deep understanding of the industry.

We added financing options to our platform when we realized how broken and unnecessarily complicated obtaining financing is for new potential franchisees.

Faster financing approvals

Pre-screened financing options and streamlined processes to get you approved and funded faster.

Tailored financing recommendations

Get personalized financing options based on your franchise type, investment goals, and financial situation.

Comprehensive financing solutions in one place

Access top SBA lenders, ROBS 401(k) options, and refinancing products all in one platform, saving you time and effort.

How to get started

Streamlined process to get you funded

See how Vetted Biz has been able to help dozens of new and existing franchisees understand their financing options in four easy steps.

Complete the free 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.
Discovery call
Depending on your responses to the financing assessment, one of our referral partners will be in touch with you directly to review your responses and figure out next steps
Finalize financing application process
Assuming you are eligible and wish to proceed, you finalize the process to obtain your financing by providing the necessary background and financial information
Receiving financing
Once you have been approved for financing, 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!

Get started on your funding journey today

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Frequently asked questions

Find out more about financing options.

With a large and expanding network of lenders we enable you to get the best rates available on your SBA loan, thereby saving time and money. You’ll also have access to our dedicated staff and referral partners — experts in loans for businesses — to ensure the fastest possible application processing, including a dedicated loan closer to assist with the closing process.

An SBA loan is a government-backed loan designed to help small business owners, including franchisees, access funding. The SBA guarantees a portion of the loan, reducing the risk for lenders and often allowing for more favorable terms such as lower interest rates and longer repayment periods.

Most franchise businesses are eligible for SBA loans, but the franchise must be on the SBA’s Franchise Directory. Vetted Biz can help you confirm if your franchise is eligible for SBA financing.

SBA loans for franchises typically range from $100,000 to $500,000, depending on the financial needs of your franchise and your creditworthiness.

SBA loans generally offer lower interest rates compared to conventional loans, with terms ranging from 10 to 25 years, depending on the loan type and purpose.

The approval process for SBA loans can take anywhere from 30 to 90 days, depending on the lender, your financial situation, and the completeness of your application. Vetted Biz connects you with pre-screened lenders to expedite this process.

To qualify for an SBA loan, you'll need a good credit score (typically 680+), a solid business plan, and some personal assets to use as collateral. All owners of 20% or more of the borrowing entity are required by the SBA to guaranty the loan. The franchise must also be SBA-approved.

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%.

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

ROBS (Rollover as Business Startups) is a financing method that allows you to use your retirement funds—without penalties or taxes—to invest in a franchise. This option is ideal for those who don’t qualify for traditional loans or prefer to avoid debt.

The ROBS process involves rolling over funds from your existing 401(k) or IRA into a new C-corporation, which can then use the funds to invest in your franchise. Vetted Biz can connect you with experts who guide you through the legal and administrative steps.

No, there are no penalties or taxes when using a ROBS 401(k) if the process is done correctly. The ROBS program allows you to tap into your retirement funds early to finance your business without triggering early withdrawal fees or tax consequences.

Most people with a 401(k), IRA, or another eligible retirement plan can use a ROBS 401(k) to fund a franchise. You’ll need at least $50,000 in your retirement account and must set up your franchise as a C-corporation.

While ROBS allows you to avoid debt, it involves using your retirement savings, which carries some inherent risk. However, many franchise owners successfully use ROBS to finance their businesses without taking on traditional loans.

Yes, you can combine ROBS financing with an SBA loan. This allows you to use your retirement funds to cover part of the initial investment while taking out a loan to cover the remaining costs.
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