Lending FAQs - First Franchise Capital

For what purposes does First Franchise Capital lend money?

Obtain Real Estate
Acquire Equipment
Remodel or Re-image
Finance Construction
Acquire Stores
Refinance Debt
New Store Development Lines
Restructure Ownership

How much do you lend?

Transactions range from $200,000 to greater than $30 million with syndication
Equipment loans can advance up to 100% of eligible costs
Real estate loans are based on eligible costs and appraised value

What are First Franchise Capital Corporation's terms and rates?

5-7 year term and up to 10 year amortization for equipment
10 year term and up to 15 year amortization for ground lease properties
10 year term and up to 20 year amortization for real estate
Fixed or variable interest rate set at closing

What is needed for collateral?

First lien on equipment, furniture and fixtures
First mortgage on real estate
Leasehold mortgages on ground leases

Who is eligible?

5+ unit owner/operators
3+ years of industry experience
Approved franchise restaurant concepts

Why First Franchise Capital?

Full array of loan products
Customizable financing
Franchise restaurant industry experience and expertise
Personalized client approach
Portfolio lender
Competitive fixed and variable rates
In-house loan processing, underwriting and servicing teams
Strong financial backing from our parent company, First Financial Bank

Client Testimonials

My experience was tremendous. It’s not often lenders exceed
expectations, but First Franchise Capital provided a simplistic approach
to financing and my loan was funded quicker than originally estimated.
I highly recommend First Franchise Capital to small and large
franchisees that need funding to continue their growth.

Angelo Frietes Checker's

I have used First Franchise Capital for years, and they always provide
excellent service. First Franchise Capital understands the restaurant
business, and I appreciate their commitment to develop the exact loan
package I need.

Dawn Lafreeda Denny's

Working with First Franchise Capital was a very pleasant and smooth
experience. My Regional Vice President was knowledgeable of the
franchise industry as well as our financial situation, and we built a
relationship from the very beginning. I have no complaints with my
experience, and I would definitely do business again with First
Franchise Capital if a need arises in the future.

Nick Nishmeh Domino's

We’ve been with First Franchise Capital for many years. The
communication is very transparent and the lending process is pretty
simple. There’s not a lot of turnover so you have the same contact
person which allows you to build a strong relationship.

Peggy Hunt Papa John's

FAQ's

Frequently Asked Lending Questions

Client Testimonials