How to Buy a Franchise Restaurant (And Come out on Top)

How to Buy a Franchise Restaurant

How to Buy a Franchise Restaurant

From McDonald’s to KFC, Taco Bell and everywhere in between, franchise ownership is a hot business. You can make a of cash by purchasing a franchise, but it takes a lot of cash to get there. A Business Insider article is a real eye-opener when it comes to just how much money it can cost to swim with the biggest fish in the industry, between franchise and royalty fees and your liquid assets. But owning a franchise doesn’t have to break the bank. In fact, there are chains out there with price tags in the five figures that are attainable by even novice business owners—if they’ve got the right financial lender.

Places like Firehouse Subs and Baskin-Robbins (ranked #12 in the Franchise 500) would set you back just shy of $100,000, while Champs Chicken—which started franchising in 2013—goes for as little as $9,000.

It’s understandable that most folks don’t have this kind of money laying around, and that brings us back to our point about having the right financial lender. Not only does ARF Financial specialize in the restaurant industry, but our personalized loan consultants have decades of experience under their belts working with clients who want to own their own restaurant business—clients just like you.

Our loan products run the gamut, but they all have one critical thing in common: They’re designed to work for you. Our Flex Pay Loan is the perfect solution if you’re considering a franchise opportunity, and the best part is, it maximizes your cash flow while providing you the capital you need now. You can defer up to 50% of your loan’s principal into the future for more affordable payments now, and have the flexibility to pay it back when the time is right. This loan also offers low, fixed weekly payments that aren’t tied to your daily credit card receipts, and our flexible repayment options allow you to amortize the deferred principal over time, roll it into the future, or simply refinance it.

Our Line of Credit is also a great option when looking to open a franchise. You can pull funds from your line as needed, and you only pay interest on the money you take. You’ll also benefit from 24-hour access to 5 separate loan drafts over a 6-month period, plus a locked-in rate for 6 months. You can even request funds online!

We’ve established exclusive relationships with banks across the country to help you obtain the financing you need to keep your business moving forward. And, we go even further to ensure your business’ profitability over time with no-cost value add-ons for our cherished clients. Here’s a quick look at our current offers:

New Client Rewards

Through our New Client Rewards Program, you can receive a free Amex Gift Card up to $3,000* – no strings attached – after your loan funds.

How to Buy a Franchise Restaurant

BOOST Partnerships

BOOST is our way of giving you access to valuable products and services that can help you drive revenue and customers to your business to power future performance. 


Our INSIGHT Report highlights key trends, summarizes critical information and provides a comprehensive review of your business’ creditworthiness.

If you’re ready to take the next step toward owning your very own business, let the experts at ARF Financial help you through the process. Together, we can build the perfect loan to fit your needs. Let’s get started!

*Receipt of the Amex Gift Card is conditional based upon the following: Merchant’s approval under ARF Financial’s Standard Underwriting Models and Policies, merchant’s acceptance of an approved loan amount, rate and term; and, merchant borrowing a minimum of $25,000 within 30 days of merchant’s application to receive the $1,000 gift card, or borrowing between $50,000 and $99,999 for a $2,000 gift card, or a $3,000 Amex Gift Card on loan amounts of $100,000 or more! This offer is not guaranteed unless application is made by merchant, merchant borrows in accordance with the guidelines provided herein. ARF Financial reserves the right to terminate the offer at any time.