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✦Prime Rate:6.75%✦Fed Funds:3.64%✦5-Yr Treasury:3.88%↓✦10-Yr Treasury:4.25%↓✦30-Yr Treasury:4.83%↓✦30-Yr Mortgage:6.22%·Updated Mar 19, 2026✦Prime Rate:6.75%✦Fed Funds:3.64%✦5-Yr Treasury:3.88%↓✦10-Yr Treasury:4.25%↓✦30-Yr Treasury:4.83%↓✦30-Yr Mortgage:6.22%·Updated Mar 19, 2026
Rates

Published: ·Last updated: ·By Ed Freeman, Capital Advisor — PeerSense

What is the best financing for franchise (multi-unit) at Up to 85% LTV?

Multi-unit franchise operators qualify for SBA 7(a) loans up to $5M per location and SBA 504 for real estate acquisitions, with rates currently around 9-9.5% for 7(a) and 6.0-7.5% for 504. SBA-approved franchise systems receive streamlined underwriting, and experienced multi-unit operators can finance 2-5 locations simultaneously through stacked loan structures.

Published by PeerSense Capital Advisory · Written by Ed Freeman, Founder

Prime: 6.75% 10-Yr Treasury: 4.25% Est. SBA 7(a) Range: 6.0% - 9.5% (varies by product)as of Mar 19, 2026
Franchise (Multi-Unit)

SBA Franchise Multi-Unit Expansion Financing

Expand your franchise portfolio with SBA 7(a) and 504 financing. Multi-unit operators qualify for up to $5M per loan with competitive fixed rates for approved franchise systems.

Minimum 30-35% equity required. Existing franchise operators with 2+ profitable units seeking to add locations.

Discuss Your Franchise (Multi-Unit) DealCall (317) 452-6990
KEY TERMS

Deal Parameters at a Glance

LTV Target

Up to 85%

Est. Rate Range

6.0% - 9.5% (varies by product)

Term

10 years (7a) / 25 years (504 real estate)

Recourse

Full recourse (personal guarantee)

DSCR

1.25x minimum (per unit and aggregate)

Closing Speed

45-75 days

Min Loan Size

$250K

Loan Products

SBA 7(a), SBA 504

FIT ASSESSMENT

When Is This the Right Fit?

SBA franchise financing is ideal when you have 2+ operating franchise units with proven profitability and want to expand your territory. SBA lenders use your existing unit economics to underwrite new locations, making multi-unit operators significantly easier to approve than first-time franchisees. The stacked loan structure lets you open 2-5 locations simultaneously. Use SBA 504 when purchasing the real estate (25-year fixed rate) and SBA 7(a) for equipment, build-out, and working capital. If your franchise is not on the SBA Franchise Directory, confirm eligibility before applying.

Want the full program overview, current rate sheet, and underwriting matrix? See the SBA Loans guide →

ADVANTAGES

Key Benefits

Stack multiple SBA loans — up to $5M per unit for rapid portfolio growth
SBA-approved franchise systems receive expedited underwriting
Combine SBA 504 for real estate with 7(a) for equipment and working capital
Up to 85% financing preserves cash for build-out and opening costs
Proven franchise unit economics strengthen loan approval probability
ALTERNATIVES

Strategic Alternatives

Franchise SBA Acquisition Financing

If you are a first-time franchise buyer rather than an existing multi-unit operator

Learn more

SBA 504 Restaurant Acquisition

If your franchise expansion involves restaurant properties specifically

Learn more

Working Capital Line of Credit

If you need working capital to support expansion without SBA loan timelines

Learn more

Frequently Asked Questions

Yes. There is no limit to the number of SBA loans you can hold, though each SBA 7(a) loan is capped at $5M. Multi-unit operators routinely stack 3-10+ SBA loans across their portfolio. Each location is underwritten individually and must demonstrate standalone viability.

See Related Rates by Program

PeerSense covers the full commercial capital stack. Rates and structures across our money pages — updated weekly.

CMBS Conduit

5.60–7.10%

10-yr non-recourse fixed, $5M–$500M+, fully assumable

See current rates

Bridge Loans

9.00–14.00%

12–36 mo transitional, SOFR + 470-970 bps, 65-75% LTV

See current rates

DSCR Investor

5.95–8.50%

30-yr fixed rental, qualifies on property cash flow

See current rates

Equipment Financing

5.50–12.00%

Loan, lease, SBA 504, vendor, captive — Section 179 eligible

See current rates

Hotel Financing

5.85–11.75%

CMBS + SBA 504 + bridge + PIP across all flags

See current rates

Mezzanine Debt

11.00–18.00%

Subordinate to senior, $1M–$50M, capital stack fill

See current rates

Private Credit

7.80–18.00%

Non-bank flexibility, unitranche, recap, transitional

See current rates

Invoice Factoring + ABL

0.5–3.5% / 30d

B2B receivables, trucking / staffing / construction / govt

See current rates

No-Doc CRE

7.50–11.50%

Limited-doc commercial, asset-based underwriting

See current rates

Connect with PeerSense — Direct Capital Advisory

PeerSense pre-underwrites every deal before presenting it to our institutional capital sources. With 500+ lender relationships and live market rate intelligence, we match your franchise (multi-unit) deal with the right capital source — right now.

Scan Your Deal (30 sec)Tell Us About Your DealCall (317) 452-6990

No upfront retainer · Fee at closing only · Complimentary initial consultation

Published by PeerSense Capital Advisory · Written by Ed Freeman, Founder. Updated March 2026.

Disclaimer: The information on this page is provided for educational purposes only and does not constitute financial, legal, or investment advice. Rates, terms, and availability are subject to change based on market conditions, property characteristics, and borrower qualifications. The rate ranges cited reflect approximate market pricing as of March 2026 and may not reflect current conditions at the time of reading. PeerSense is a capital advisory firm, not a lender. We do not originate, fund, or service loans. All financing is provided by third-party lenders subject to their own underwriting criteria and approval processes. Borrowers should consult with qualified financial and legal professionals before making any financing decisions.