Finance solutions for franchise businesses

• Cash flow challenge: Franchise owners often need to pay buy-in fees, fund fit-outs, and manage recruitment costs before revenue starts flowing, creating a short-term cash flow gap.

• Perfect for: Franchisees launching new locations or franchisors managing network growth and ongoing operational finance needs.

Novuna helps franchise businesses access finance to fund buy-ins, equipment, and working capital, either through our award-winning in-house service or by comparing providers to ensure you have the best deal for your situation.

Boost your cash flow Speak to an expert

How finance solutions support franchise businesses

Franchise finance provides access to capital when you need it most, whether you’re opening your first outlet or scaling a national franchise model.

For franchisees:

• Fund the purchase of your franchise licence and set-up costs.

• Cover recruitment, inventory, and marketing expenses.

• Keep your operations running smoothly between revenue cycles.

For franchisors:

• Support franchisee recruitment and network expansion.

• Maintain liquidity for marketing, technology, or brand investment.

• Offer financing support to prospective franchise partners.

By aligning finance with your growth stage, you can scale your franchise model confidently and sustainably.

Best finance options for franchise businesses

1. Franchise loans

Designed to fund the purchase or expansion of a franchise business.

Advantages:

• Cover franchise licence fees, fit-outs, and opening costs.

• Structured repayment options tailored to franchise cash flow.

• Ideal for start-ups or multi-site expansions.

2. Asset finance

Funds equipment, vehicles, or technology without large upfront payments.

Advantages:

• Spread the cost of essential assets over time.

• Preserve cash flow while upgrading or expanding.

• Ideal for fit-outs, catering equipment, or delivery vehicles.

Explore asset finance for tailored equipment and fit-out funding.

3. Working capital loans

Short-term loans that help manage day-to-day expenses or seasonal dips.

Advantages:

• Maintain consistent operations while revenue builds.

• Fund payroll, utilities, or supplier payments.

• Keep liquidity steady during expansion or refurbishment periods.

Learn more about working capital loans to support your franchise’s cash flow needs.

4. Merchant cash advances

Repay funding through a percentage of daily card sales, perfect for franchises with steady card turnover.

Advantages:

• No fixed monthly payments - repayments flex with sales.

• Quick access to funds for short-term costs.

• Ideal for hospitality, retail, and fitness franchises.

Find out how merchant cash advances can provide flexible repayment options.

4. Invoice finance

Ideal for B2B franchise operations with delayed customer payments.

Advantages:

• Unlock cash tied up in unpaid invoices.

• Receive up to 90% of invoice value within 48 hours.

• Improve cash flow without taking on new debt.

Explore invoice finance to keep your franchise funded between payment cycles.

Benefits of franchise finance

• Faster launch: Secure the funding needed to open new franchise locations quickly.
• Improved liquidity: Manage operational costs without cash flow strain.
• Sustainable growth: Expand your network while maintaining healthy finances.
• Flexible repayment: Match funding terms to your franchise revenue cycle.
• Access to equipment and technology: Stay competitive without large upfront costs.

Whether you’re opening your first branch or managing a national network, the right finance solution gives your franchise the flexibility to grow.

Boost your cash flow Speak to an expert

How Novuna Business Cash Flow can help

We’ve can help franchise brands and owners across the UK, from hospitality and retail to fitness and care services access the funding needed to launch, grow, and succeed.

Get in touch with our experts today and we will find a great fit for your situation.