You're standing in a vacant storefront on Redwood Road, lease proposal in hand, franchise disclosure document under your arm, and a 45-day timeline to close. The franchisor wants proof of funds. Your bank wants two years of tax returns from a business you don't own yet. The clock is ticking.
SBA franchise financing solves the capital gap for buyers acquiring established brands. When a franchise appears on the SBA franchise registry, lenders follow streamlined underwriting that cuts weeks from traditional loan timelines. The 7(a) program covers acquisition costs, working capital, equipment, and leasehold improvements in one package, delivering up to $5 million with terms stretching 10 to 25 years. Thrush Credit pre-qualifies your scenario, matches you with SBA franchise lenders experienced in your brand, and keeps your file moving while you negotiate territory rights and site selection near Mountain View Corridor or along the 9000 South commercial strip.