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✦Prime Rate:6.75%✦Fed Funds:3.75%✦5-Yr Treasury:4.55%↓✦10-Yr Treasury:4.78%↓✦30-Yr Treasury:5.24%↓✦30-Yr Mortgage:6.66%·Updated Sep 7, 2026✦Prime Rate:6.75%✦Fed Funds:3.75%✦5-Yr Treasury:4.55%↓✦10-Yr Treasury:4.78%↓✦30-Yr Treasury:5.24%↓✦30-Yr Mortgage:6.66%·Updated Sep 7, 2026
Rates
Franchise Working Capital

Franchise Working CapitalOn the live boxes

Working capital on this desk is B2B factoring from $20 million a month and originator tapes from $100 million a month. $7,500 five day paper is a pass. Talk to PeerSense.

Talk to PeerSenseWorking Capital Hub
$20M/mo
Factoring
$100M/mo
Originators
$10M+
CRE and hotel
~35%
Cash in

Live boxes for franchise operators

Working capital on this desk follows the book. $7,500 five day paper is a pass. Talk to PeerSense.

B2B invoice factoring

$20 million a monthDebtor credit
Book of creditworthy commercial invoices
Advance follows the debtor, not a 5 day close
Staffing, freight, and B2B trade sit here
$7,500 five day paper is a pass
Best For
Operators with a real receivables book

Originator tapes

$100 million a monthTape and performance
Focus is 100 million plus a month
The desk will look at 10 million a month
Warehouse and forward flow, not payday paper
10 million is not the focus
Best For
Originators with a live book

CMBS and bridge

$10 million and upCash in about 35 percent
Stabilized files go CMBS
Transitional files go bridge with a takeout
Hotel is search. Public floor still $10 million
A $2 million hotel refi is a pass
Best For
Sponsors with cash in and a named takeout

Data center and lease sale

$1 billion to $30 billion plusHyperscaler lease
Signed lease by a major hyperscaler, or backed by one
Contracted revenue sale up to 89 percent of lease value
15 year lease signed or guaranteed
A file without that offtake is not this box
Best For
Owners with contracted hyperscaler cash flow

When to Use Working Capital vs. SBA

Honest comparison: SBA has better terms, working capital is faster. Match the product to the urgency.

Fast Working Capital

Choose When Speed Matters

When you need capital in days, not months. When the opportunity or problem can't wait for SBA approval.

Speed
Follows the book. No 5 day close.
Documentation
Minimal. Bank statements, revenue verification
Cost
Higher, factor rates or higher interest
Term
Short, 3–18 months typical
Use Cases:
  • • Emergency payroll coverage
  • • Urgent equipment repair
  • • Seasonal inventory buildup
  • • Time-sensitive opportunity
  • • Bridge to SBA funding

SBA Working Capital

Choose When Terms Matter

When you can wait 45–90 days for approval. When you want the lowest cost of capital and longest repayment term.

Speed
45–90 days
Documentation
Extensive, tax returns, financials, business plan
Cost
Lower, prime + 2.75% typical
Term
Long, up to 10 years
Use Cases:
  • • Planned expansion capital
  • • Equipment purchases
  • • Refinancing existing debt
  • • Long-term working capital
  • • Franchise acquisition

The Right Strategy: Use Both

Smart franchise operators use fast working capital for short-term needs and SBA for long-term capital. Fast capital solves immediate problems. SBA builds long-term financial strength.

Example: Use fast working capital to cover a seasonal cash gap now, then refinance with an SBA working capital loan in 3 months when you have time for the full approval process. Lower your cost of capital while maintaining operational flexibility.

Learn more about SBA working capital loans

Need Fast Working Capital for Your Franchise?

PeerSense identifies the right capital source from our curated network of lenders, private equity firms, and institutional advisors, and makes the introduction. You get a straight assessment of where your deal fits and a direct connection to the source most likely to close it.

We'll connect you with fast-funding sources that understand franchise operations and can deliver capital when you need it.

Schedule a Call