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Frequently Asked Lending Questions

Below are some of the most frequent lending questions we receive. If you don't see the information you are looking for, feel free to contact our team.

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 up to $30 million
  • 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